The Ancient Sport of Falconry is Alive in Georgia Pecans—a ...

Winter 2011
Inside:
The Ancient Sport of Falconry is Alive in Georgia
Pecans—a Georgia Natural
Olivers Named Farm Family of the Year

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BOARD OF DIRECTORS
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Email: mkiley@aggeorgia.com.

Table of Contents
A small flicker of a tail ahead catches
Mitchell’s eye, but not before the hawk
spies the squirrel among the branches.
What follows is, as Mitchell describes it,
a chess game with the squirrel seeking to
stay out of sight and range of the hawk’s
talons and the hawk just as intent on
capturing the squirrel. ...
Page 6
In 1919 Georgia produced a little over 3
million pounds of pecans with a farm value
of $1.2 million. By 2005 state pecan growers
were producing over 80 million pounds of
the nuts annually. Georgia is the largest
producer of pecans in the U.S. with over
140,000 acres planted. In 2009 Georgia
pecan production resulted in a farm gate
value in excess of $170 million. ...
Page 8
4 Black Bear Awareness 101
6 The Ancient Sport of
Falconry is Alive in Georgia
8 Pecans—A Georgia Natural
9 A Better Breakfast
10 Association News
11 Dana Perkins Inducted into
the Hall of Fame
12 When Should You Take
Social Security
14 Olivers Named Farm Family
of the Year
15 Outlook 2011: Managing
Through Cycles
16 Property for Sale
25 AgGeorgia Services and
Benefits
26 Financial Report
They participate in the Environmental
Quality Incentive Program (EQIP) and
utilize many conservation practices
on their farm. The family has installed
a Stackhouse and composter on each
of their farms and practice prescribed
grazing, nutrient management, pest
management and other conservation
practices on the pastureland. ...
Page 14
On the Cover:
This juvenile Red-tailed hawk was captured by
Master Falconer Mitchell Dickey in September
of 2010. As it matures the eyes will darken and
the tail, which is now a brown banded pattern,
will change to the brick-red color distinctive of
this breed of hawks. Photo by Mary Kiley.
AgGeorgia.3.winter 2011

BLACK BEAR AWARENESS 101
Keep Food Unavailable to Avoid Keeping Bears in Area
SOCIAL CIRCLE, Ga. - Black bears spark a
wide array of human emotions. Curiosity and
awe come to mind for some; caution and fear
emerge for others. When observed in human
development areas, panic sometimes proves
the most common reaction. During spring
and summer, the likelihood of bear sightings
increases, and the Georgia Department of
Natural Resources’ Wildlife Resources Division
encourages residents to educate themselves in
order to avoid panic and to peacefully co-exist
with these magnificent animals.
As the human population continues to
grow and expand, and as we settle into areas
shared by a variety of wildlife species, including
the black bear, it is only natural that we increasingly
observe these animals in urban settings.
“A black bear sighting is something that
few people ever forget—especially when it is in
your backyard. Human populations have grown
and expanded into areas traditionally inhabited
by bears and when conflicts arise, it is unfortunately
the bear that is perceived as a threat
or nuisance,” says Wildlife Resources Division
Assistant Game Management Chief John W.
Bowers. “We encourage all Georgia citizens,
especially those in known bear areas, to educate
themselves about bears and bear behavior, be
responsible and help prevent conflicts from
occurring,” says Bowers.
Black bears are most commonly found
in three areas of the state—the north Georgia
mountains, the Ocmuglee River drainage
system in central Georgia and the Okefenokee
Swamp in the southeast. However, black bears
can and do range over larger areas in search
of food, especially in the spring, when natural
food sources are scarce. Young male bears are
also known to roam larger areas in an effort to
establish their own territory.
Because black bears are omnivorous, their
diet consists of whatever food is readily available
at any given time of year. Thus, black bears are
reasonably attracted to the scents of human
food, pet food, bird seed, beehives and even
compost piles, especially in springtime, when
natural food source availability is low. When
bears can easily obtain such non-natural food
sources, they begin to associate humans with
food and as a result, lose their innate fear of
humans. Wildlife Resources Division biologists
encourage residents to heed the following tips
in an effort to minimize bear attractants and
lessen the likelihood of nuisance bears:
• NEVER, under any circumstances, feed a
bear. Such activity is unlawful.
• Keep items, such as grills, pet food, or
bird feeders off-limits to bears. Clean and
store grills when not in use, keep pet food
indoors and take bird feeders down if bears
are in the area.
• Make sure trashcans are bear-proof or
kept indoors.
• When camping or picnicking, keep
your site clean. Never leave food or
coolers unattended.
• Never keep food in or near your tent. Store
food in properly sealed containers and
whenever possible, store these containers
in a vehicle. If camping in backcountry
areas, hang packs or food bags at least ten
feet off the ground and at least four feet
from the trunk of a tree.
“The division receives numerous calls each
year regarding bear sightings and requests for
bear relocation,” says Bowers. “Relocation is
seldom a solution. For example, relocated bears
often attempt to return to the same territory,
other bears may move into the vacated area and
adult male bears often kill other bears, especially
young males, when relocated into new territory.
Therefore, relocation should only be considered
in extreme cases.”
Residents initially should alert Wildlife
Resources Division officials of the bear’s
presence, and take the actions previously
described to resolve nuisance bear problems.
Most often, if residents remove the attractant,
the bear will move on and not return. However,
if the bear persists for several days, residents
should contact the nearest Wildlife Resources
Division Game Management office.
Though the American black bear (Ursus
americanus) is now considered the most
common bear in North America and the
only bear found in Georgia, at one point the
species was nearly eradicated from the state
due to poaching and habitat loss. Yet, because
of sound wildlife management practices,
Georgia’s current black bear population is
approximately 5,100.
For more information regarding black
bears, visit www.georgiawildlife.com, contact a
Wildlife Resources Division Game Management
office or call (770) 918-6416. The public also can
visit their local library to check out a copy of
an informational DVD entitled, “Where Bears
Belong: Black Bears in Georgia.” z
AgGeorgia.4.winter 2011

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229-273-3927
www.aggeorgia.com
(From the left) Sharon Childers, Derwin Hall, Sue Malott, Tom Teate, Megan Garwood, and Tommy Davidson
AgGeorgia.5.winter 2011

The Ancient Sport of Falconry
is Alive in Georgia
By: Mary Kiley
On a clear, chilly winter morning with a few
patches of snow peeking from the shadows of
the woods Mitchell Dickey lets his Red-tailed
hawk take wing in search of prey. In a
partnership with roots in antiquity the two
hunters work in tandem, the human seeking
to flush the quarry and the hawk to swoop
down for the kill. Today the two are looking
for squirrels although the hawk will go after
anything that moves and is small enough to
capture. As Mitchell walks through the woods
he keeps an eye on the hawk, which flies from
tree to tree following him; he also searches the
surrounding trees for movement, signifying
potential prey. But there’s not much moving,
as the squirrels that inhabit these woods sense
the presence of danger.
A small flicker of a tail ahead catches
Mitchell’s eye, but not before the hawk spies
the squirrel among the branches. What follows
is, as Mitchell describes it, a chess game with
the squirrel seeking to stay out of sight and
range of the hawk’s talons and the hawk just
as intent on capturing the squirrel. The two
animals maneuver, the squirrel staying on the
backside of the tree trunk and the hawk flitting
from limb to limb in an effort to get above the
squirrel with a clear path to attack. Suddenly,
with no warning and a rush of wings, the bird
dives and swoops in for the kill. The attack is
over as quickly as it began but the squirrel is
lucky this time, it jumps to another tree and
scampers down and out of sight.
Even historians cannot say how far back
in time raptors, or birds of prey, were used for
hunting. Suffice it to say records of falconry
go back thousands of years and the practice
pre-dates written records. Some historians
believe falconry originated in Mongolia
between 6,000 and 8,000 years ago. Regardless
of its origins, falconry was originally used as a
way of hunting for sustenance and the birds
were kept as part of the family, a valuable asset
for survival. With the advent of weapons such
as spears, and later bows and arrows and then
firearms for hunting, falconry has evolved into
a sport rather than a means of survival.
Today it is estimated that there are
approximately 3,000 thousand falconers in
the U.S., 100 in Georgia. Mitchell Dickey is
a Master Falconer who comes from a family
of hunters and falconers. He grew up as an
outdoorsman who was influenced greatly by
his grandfather, an avid hunter. His uncle, Steve
Hein, is Director of the Center for Wildlife
Education at Georgia Southern University and
is himself a Master Falconer. He mentored his
nephew in Mitchell’s quest to become a Master
Class Falconer.
The sport is highly regulated, on the
Federal level by the U.S. Fish and Wildlife
Service and in Georgia by the Georgia
Department of Natural Resources (DNR).
Two falconry clubs in the state, the Georgia
Falconry Association and the Georgia Game
Hawkers Club, of which Mitchell is a member,
promote the sport.
There are several steps to becoming a
licensed falconer. First an applicant must pass
a written test administered by the Georgia
DNR. The test covers raptor biology, general
knowledge of raptors and several aspects of
the care and keeping of birds. The second step
involves acquiring the necessary equipment,
After the hunt Mitchell uses a lure to attract the Red-tailed hawk back to him in return for food.
AgGeorgia.6.winter 2011

including leashes, anklets, bells, perches, and
hoods. The applicant must also build the
mews, or cages for the birds. A representative
from the DNR does a physical inspection of
the equipment and facility before a license is
issued. Once the applicant has a DNR permit
he is allowed to trap a bird. Each falconer must
trap his own fledgling bird from the wild.
At the Apprentice level a falconer is
allowed to trap and train only a Red-Tailed
Hawk, American Kestrel or a red-shouldered
hawk, although the red-shouldered hawk
is rarely used due to their ineffectiveness as
a falconry bird. The Apprentice falconer is
mentored for two years by a more experienced
falconer, who must be classified as a General
or Master Falconer and who is committed to
training the apprentice. A General Falconer
has a minimum of two years experience and
is allowed to possess two birds of any species
except a Golden Eagle. The Master Class
requires at least five years of experience at
the General Class level. A Master Falconer is
allowed to possess three birds of any species
although possession of a Golden Eagle requires
additional permitting. Mitchell has sponsored
falconers in the past and would be willing to
sponsor an individual who is serious about
taking on the sport.
“Falconry is a lifestyle. You have to have
a commitment to care for, train and work with
the birds every day. They have to be flown
regularly to maintain muscle mass during
the hunting season,” Mitchell explains. As
an AgGeorgia loan officer in the Washington
branch, Mitchell occasionally has the opportunity
to spend a portion of his lunch hour
flying his birds on a piece of property near the
Mitchell also hunts with this Harris hawk,
which was born in captivity. Birds bred in
captivity cannot be returned to the wild; if you
look closely you can see the band around his leg
that denotes a captive-bred bird.
Mitchell shows his Harris hawk wearing its hood. The hood keeps the bird calm, much like blinders on
a horse.
office. He tries to fly the birds each day to keep
them trained and in hunting shape. “I’ve been
doing this for about twelve years and I’m still
learning. Every day that you go out with the
birds you learn something new.”
Mitchell currently has two birds, a
juvenile Red-tailed hawk that he trapped this
past September and a Harris hawk that he
inherited from his Uncle Steve. Red-Tailed
Hawks are native to most of North America.
Their summer breeding area includes much of
Canada and they are found year round in the
U.S. and Mexico. The Harris Hawk is found in
the southwestern U.S. down through Central
America as far as Argentina and Chile.
Hawks typically eat rats, squirrels and
rabbits. Birds in the wild, as well as those used
for falconry are successful in a hunt approximately
twenty percent of the time. Captive
birds are guaranteed a meal even if the prey
gets away. Mitchell takes the prey killed by
his birds and freezes it for later use; the birds
are rewarded in the field with a bit of meat
from previous kills.
Interest in falconry is growing and
Mitchell actively promotes the sport. “I love to
go to schools to teach kids about the outdoors
and nature,” he says. Mitchell has taken his
birds for demonstrations at several schools
and churches and has spoken at various events,
including wild game dinners to teach people
about the sport.
The raptors are trained to return to the lure,
which is a feathered leather bag connected to a
strap. Mitchell swings the lure through the air
to call the bird back to him.
Squirrel season in Georgia runs from
August to March and Mitchell can be found
most days in the woods with his birds during
this time answering the call of the wild. For
Mitchell part of the allure of falconry is “Being
able to have a partnership with a wild animal,
something that you would never experience
otherwise. It’s gratifying to spend time in the
outdoors watching the hawk grow and learn
to hunt. Falconry allows us to catch a glimpse
of what is going on in the wild every day. It’s
the chase, the pursuit and the interaction of
the prey and predator and the knowledge that
you’re carrying on a tradition with a history
that goes back thousands of years.” z
Mitchell and Mary would like to extend thanks to John Higgins and Rhonda Young of the British
American Sporting Club in Crawfordville for allowing us to hunt and take photos for this story. The
Club offers falconry hunting excursions as well as sporting clays and other outdoor activities. For more
information about the club visit their website at www.sportinggeorgia.com.
AgGeorgia.7.Winter 2011

Pecans–a Georgia Natural
Native to the Americas, the pecan tree came to the attention of landowners
as a potential commercial crop during the late 1800s when several individuals
near Savannah began marketing pecans on a small scale. Today, most
commercial orchards in Georgia are located in the south-central areas of
the state but the trees are found in most counties, in orchards or yards.
Harvest time begins in October and runs through the end of the year when
farms throughout the state harvest, sort, clean, size, and pack pecans for
sale and shipment. Some nuts are sold whole while others are cracked and
shelled or further processed into delectable foods. Regardless of the end
product, Georgia pecans are enjoyed by people around the world.
In 1919, Georgia produced a little over three million pounds of
pecans with a farm value of $1.2 million. By 2005, state pecan growers
were producing over 80 million pounds of the nuts annually. Georgia is
the largest producer of pecans in the U.S. with over 140,000 acres planted.
In 2009, Georgia pecan production resulted in a farm gate value in excess
of $170 million.
Pecans are a member of the hickory family and one of the largest
fruit-bearing trees. The pecan tree thrives in the soil of Georgia; a wellmanaged
orchard will produce about 1,000 pounds of nuts per acre. Over
500 varieties of pecans exist; one of the first developed was the Desirable.
It was developed from a controlled cross in the early 20th century and is
considered the best pecan for roasting and salting.
The Stewart variety is the dominant pecan in the U.S. It is resistant
to winter temperatures and disease and produces a large nut with high
production. The Schley originated in Jackson County, Mississippi and
is named in honor of Admiral Winfield Scott Schley, commander of the
U.S. Naval Forces in the Spanish-American War. It is considered the
standard in the industry and is used extensively in breeding. The Sumner
was discovered in 1932 in Tift County by Walter Sumner. This variety is
primarily being planted in the southeastern part of the state. These nuts
have also been dubbed “jumbo Schley.”
A well-managed pecan orchard will produce
about 1,000 pounds of nuts per acre.
Pecan pie is a favorite with many. Here is an easy recipe from the
Georgia Pecan Commission.
Light Georgia Pecan Pie with
Honey Pecan Topping
Ingredients:
• 2 eggs
• 1/4 cup sugar
• 1 cup light corn syrup
• 2 tablespoons all-purpose flour
• 1 tablespoon vanilla extract
• 1 cup chopped Georgia pecans
• 1 (9-inch) unbaked pie shell or prepared rolled pie dough
(formed into a 9-inch pie pan)
• Honey Pecan Topping (recipe follows)
Directions:
1. Preheat oven 375 F.
2. In mixing bowl, beat together eggs, sugar, corn syrup, flour, and
vanilla until creamy. Stir in Georgia pecans.
3. Pour into pie shell, bake 40-50 minutes or until pie is set.
HONEY PECAN TOPPING
Ingredients:
• 3 tablespoons light brown sugar
• 1 tablespoon butter
• 3 tablespoons honey
• 1 cup Georgia pecan halves
Directions:
1. In small pot, combine brown sugar, butter, and honey.
2. Cook over low heat until comes to a boil, stirring. Stir in Georgia
pecans. Remove from heat.
3. During last 5 minutes of baking, remove pie from oven, spread topping
evenly over top. Return to oven. Broil until topping is bubbly and
golden brown, watch carefully. z
* Sources: USDA NASS, Georgia Pecan Commission, Georgia Pecan Growers
Association
After harvesting pecans are sorted,
cleaned, sized and packed for
shipment.
Pecans are ready to be shipped.
Photos courtesy of Evans Farm, LLC.
AgGeorgia.8.winter 2011

A Better Breakfast
Courtesy of Family Features
You’ve probably heard the saying, “breakfast is the most important meal
of the day.” Or perhaps you’ve said it yourself. The reality is—while
a lot of people say that eating breakfast is important, not very many
are actually doing it.
In fact, 93 percent of Americans agree that breakfast is the most
important meal of the day, but less than half (44 percent) are eating
it every day, according to the 2009 International Food Information
Council Foundation’s Food & Health Survey.
If the morning rush in your house means grabbing a toaster pastry,
a fast food meal, or—even worse—skipping breakfast, take heart. It’s
easier than you think to refuel the body, energize the mind and have
some family time around the breakfast table. Here are a few tips to get
your family back on track:
• Make a Plan. Get everyone involved in planning breakfasts for the
week. The more they participate, the more likely they are to eat
it. Keep the plan posted where everyone can see it.
• Keep a breakfast-friendly kitchen. Make sure you always have
a ready supply of milk, yogurt, whole grain breads and cereals,
fruits, and plenty of proteins such as eggs and sausage. Store them
where everyone can find them easily in the morning.
• Get prepped. Set out dishes and non-perishables on the table
the night before. Some heartier breakfasts, such as the Weekend
Brunch Casserole, can be prepped the night before, then heated
up in just 15 minutes in the morning.
Weekend Brunch Casserole
Prep time: 15 minutes
Cook time: 15 minutes
Makes 8 servings
1 8-ounce can refrigerated crescent dinner rolls
1 pound Bob Evans Original Recipe Sausage Roll
2 cups shredded mozzarella cheese
4 eggs, beaten
3/4 cup milk
1/4 teaspoon salt
1/8 teaspoon black pepper
Preheat oven to 425°F. Crumble and cook sausage in medium
skillet over medium heat until browned. Drain.
Line bottom of greased 13 x 9-inch baking dish with crescent roll
dough, firmly pressing perforations to seal. Sprinkle with sausage and
cheese. Combine remaining ingredients in medium bowl until blended;
pour over sausage. Bake 15 minutes or until set. Let stand 5 minutes
before cutting into squares; serve hot. Refrigerate leftovers.
Sausage Cups are another hit with families on-the-go. This quick and
simple recipe has the farm-fresh taste that has come to be expected
from Bob Evans, and helps mom ensure that the family makes time
during a busy morning for a breakfast together.
Sausage Cups
Prep time: 20 minutes
Cook time: 15 minutes
Makes 30 servings
1 pound Bob Evans Original Sausage Roll
1 package won ton wrappers
1 cup Monterey Jack cheese, shredded
1 cup cheddar cheese, shredded
1/2 cup ranch dressing
Preheat oven to 350° F. Crumble sausage into medium skillet. Cook
over medium heat until lightly browned, stirring occasionally. Drain.
Spray mini muffin tins and insert won ton wrappers to form a small
cup. Bake 5 minutes in preheated oven. Allow wrappers to cool. Mix
sausage, cheeses and ranch dressing together. Fill won ton wrappers.
Bake for 10 minutes until bubbly. z
To get more ideas for a better breakfast, visit www.bobevans.com/recipes
AgGeorgia.9.winter 2011

Association News
Mr. Gerald Andrews, Chairman of the AgGeorgia Board of Directors,
presented a resolution to Mr. Tuttle Barksdale’s family at the recent
stockholder meeting in memory of Mr. Barksdale’s 34 years of service
to Farm Credit. Mr. Barksdale was elected to the Board of Directors
of the Sandersville Production Credit Association in Sandersville in
1976 and continued to serve the stockholders as a director of the former
Sandersville Production Credit Association, Central Georgia Production
Credit Association, South Central Farm Credit, ACA and AgGeorgia
Farm Credit, ACA. He served the Farm Credit System faithfully over
the years, bringing to the Board his expertise and experience in farming
and as a business leader. The Board and Staff of AgGeorgia Farm Credit
extend to Mr. Barksdale’s family sincere appreciation for his long and
dedicated service.
From the left: Mr. Gerald Andrews, Chairman of the AgGeorgia Board; Mrs.
Eleanor Barksdale; daughter, Ms. Mary Kay Barksdale Veal; son, Mr. Sonny
Barksdale; Mr. Jack Drew, CEO of AgGeorgia Farm Credit. Not pictured is
daughter Kim Tyson.
Dairy Heifer Show Held at the
Georgia National Fair
The Junior Commercial Dairy Heifer Show was held during the Georgia
National Fair on October 10, 2010. Steve Waggoner was the judge for
the event, which was sponsored in part by AgGeorgia Farm Credit.
Winning heifers were shown by:
Div I Reserve: Josey Wessel, Wilcox, County 4H
Div II Champ: Summer Ellis, Wilcox County 4H
Div II Reserve: Drew Ellis, Wilcox County 4H
Div III Champ: Ruben Schaapman, Wilcox County 4H
Div III Reserve: Brooke Helton, White County Middle FFA
Overall Champ: Ruben Schaapman, Wilcox County 4H
Overall Reserve: Summer Ellis, Wilcox County 4H
Junior Commercial Dairy Heifer Grand Champion shown by Ruben
Schaapman, Wilcox County 4H
Winners of the Junior Commercial Dairy Heifer Showmanship are:
4th–5th Grade: Elizabeth Mansour, Coweta County 4H
6th–8th Grade: Kesley Kohl, Putnam County 4H
9th Grade: Brandon Martin, White County Middle FFA
10th Grade: Kole Keene, Wilcox County 4H
11th Grade: Meridith Franks, Burke County 4H
12th Grade: Ryan Powell, Houston County High FFA z
Junior Commercial Dairy Heifer Reserve Champion shown by Summer
Ellis, Wilcox County 4H
AgGeorgia.10.winter 2011

Dana Perkins Inducted
into the Hall of Fame
Dana Perkins of Winder was inducted as a
member of the Georgia Agriculture Education
Hall of Fame in a ceremony at the Georgia
FFA/FCCLA Center in Covington on January
19, 2011. The Hall of Fame, sponsored by
the Georgia FFA Alumni Association and
William L. Redmond & Son, Inc., is dedicated
to outstanding agricultural educators who
have devoted their professional careers to
providing the youth and adults of Georgia
with instruction in agriculture.
Though he served as a high school
agriculture educator himself, Perkins is
known by most students and teachers as the
coordinator of career development events, the
educator conducting teacher development
classes, and an authority of agricultural
mechanics—his role as and Agricultural
Mechanics Area Teacher.
Perkins received his bachelor’s and
master’s degrees in Agricultural Education
from the University of Georgia. Upon graduation,
he taught at Newton County High
School for one year before transferring to
Winder Barrow High School. During his
time as a high school teacher, two of his
students were elected to State FFA office.
In 1979, he was named Area Teacher for the
Georgia Department of Education, focusing on
Agricultural Mechanics.
As an Area Teacher, Perkins was responsible
for helping teachers gain the skills and
knowledge they needed to instruct their
students. Perkins spent many summer days
leading in-service activities for teachers, and
he was Chair of the group of Area Teachers
that spent weeks at the FFA/FCCL A Center
training apprentice teachers in various facets
of agriculture education. He conducted
countless adult classes, teaching farmers
and members of the community about small
engines, electrical wiring, welding, and other
agricultural mechanics topics.
Perkins was instrumental in implementing
and coordinating the annual
Agricultural Mechanics, Electrical Wiring,
and Agricultural Sales Career Development
Events. He is also responsible for much
of the agricultural mechanics curriculum
developed by Georgia Agriculture Education,
lending his own expertise to lesson plans for
other teachers.
Though agricultural mechanics is his
specialty area, he has always been vital in
helping prepare students for the National level
of Proficiency award competition, whether
reading applications and checking calculations
or conducting practice interviews.
Because of his knowledge and experience,
Perkins was appointed interim North Region
Coordinator in 2009, serving briefly to help
the office continue to work with students
and teachers until a permanent Coordinator
could be found.
Perkins has been recognized for his
service to agriculture education through
receiving his Honorary Georgia FFA Degree
and Honorary American FFA Degree. His is
a member of the GVATA 30 Minute Club, as
well as Past-President of the Georgia Organization
of Area Teachers. Additionally, he is a
graduate of the Georgia AgriLeaders Forum. z
As an Area Teacher, Perkins was responsible for helping teachers gain the skills
and knowledge they needed to instruct their students. Perkins spent many summer
days leading in-service activities for teachers, and he was Chair of the group of
Area Teachers that spent weeks at the FFA/FCCLA Center training apprentice
teachers in various facets of agriculture education.
AgGeorgia.11.winter 2011

When Should You Take
Social Security?
One of the first lessons of financial planning is that you shouldn’t base your
retirement future on the prospects for the Social Security system, or for that
matter, your work-related pension.
Independent planning is always necessary, and a team approach is a good
idea, blending the skills of qualified financial planners, tax professionals and
estate attorneys.
But if you’ve spent a lifetime paying into the system—or if you’ve merely
started your working life—it’s wise to check out Social Security projections
so you can get a reality check on the size of that benefit.
The Social Security issue is particularly timely as the nation continues
to pull out of its economic slump. Many people have watched their retirement
portfolios shrink since 2008 after a decade that didn’t match the investment
growth levels of the 80s and 90s. And in Washington, there continues to be
discussion of raising the nation’s official retirement age to 70.
A good starting point is the Financial Planning Association’s new Social
Security Predictor (www.fpanet.org/SocialSecurityPredictor/ScenarioSelection.
aspx), a web tool that allows you to compute your benefits based on your age
and current projections for the future funding of the system.
Once you’ve gotten an idea of the amount you’ll be getting from Uncle
Sam, the next important question is how long can you wait to start drawing
on the system. You need to explore this for three reasons:
1. You’ll have time to assess your career preferences—not everyone
wants to retire at their first opportunity, particularly if they like
their jobs.
2. The longer you wait to take Social Security, the greater your monthly
benefit will be. For example, if you were born between 1943 and 1954,
you can start tapping benefits at age 62, but you’ll get only 75 percent of
your benefits based on the current projected retirement age of 66. And the
reduction is permanent, so it won’t increase when you reach full retirement
age. In addition, there are severe restrictions placed on how much you can
earn if you continue to work (more on that below).
3. Simply looking at these facts will allow you to focus on whether your
mixture of personal savings and investments, your work-related pension
funds and the government’s money will be enough to live on.
Here are some critical things you
should know before making your
decision when to get benefits:
Start with advice: There is no standard, one-size-fits all answer to this question.
A trained financial planner will be able to look at your overall situation with
regard to the retirement you want to have and the goals you hope to meet and
determine where the money should come from to support you and at what time.
It’s also critical to meet with your tax advisor (Social Security payments CAN
be taxable) and your estate planner or attorney.
Most of the decisions you’re considering will have tax ramifications and
you want to make sure you can manage the taxes and not damage the estate
you want to pass on to your spouse or children after your death.
Watch your earnings: If you start collecting benefits before your official
retirement age—which may be a moving target in the future—you’ll face restrictions
on how much you can earn from a full- or part-time job if you continue
working. For example, those turning 66 in 2010 but with a few months until their
birthday will have earnings limited to $37,680. So for every $3 over the earnings
limit, $1 is withheld from Social Security benefits until the exact month of their
66th birthday. Even more restrictive is that those who started drawing Social
Security in 2010 at the age of 62 have an earnings limit of $14,160, and for every
$2 earned over that limit, $1 will be withheld from their benefits.
When is it OK to take Social Security benefits early? Obviously, if you
can’t make ends meet, you need to consider the option. It’s possible that it
might make sense to draw benefits if you can allow tax-deferred investments
to grow until the point you absolutely need to start drawing on them. Also,
if you are in poor health and don’t expect to live until retirement age, Social
Security benefits may help cover medical costs or other expenses. Or, if you
are the lower-earning spouse, it might be advantageous to take benefits before
your higher-earning spouse. z
This column is produced by the Financial Planning Association® (FPA®), the leadership
and advocacy organization connecting those who provide, support and benefit from professional
financial planning.

We know poultry.
With AgGeorgia Farm Credit, you’ll find staff members who
specialize in financing poultry operations. Whether you’re
expanding you current operation or just starting out, we
understand the complex demands of the poulty industry and
are ready to help you grow.
Financing available for:
• Land
• New construction
• Expansions
• Operating expenses
• Trucks & vehicles
• Equipment
800.868.6404
www.aggeorgia.com
AgGeorgia.13.winter 2011

Olivers Named Farm Family of the Year
The Oliver family of White County has been
named Farm Family of the Year by the Upper
Chattahoochee River Soil & Water Conservation
District. Stanley “Stump” Oliver and
his wife, Libby, have two children, Megan
and Brent. The family raises laying hens, beef
cattle, hay, and corn on their farm.
They participate in the Environmental
Quality Incentive Program (EQIP) and utilize
many conservation practices on their farm.
The family has installed a Stackhouse and
composter on each of their farms and practice
prescribed grazing, nutrient management,
pest management, and other conservation
practices on the pastureland.
The Olivers attend Woodlawn Baptist
church. Stump is active in the community
where he serves on the Farm Bureau Board,
coached recreation and park ball for twelve
years and high school ball for eight years. Libby
is a parapro at Jack P. Nix Primary School.
The Olivers are to be congratulated
for their involvement in the community
and their commitment to the wise use of
natural resources. z
The Oliver family, Megan, Brent, Stanley “Stump,” and Libby employ many conservation practices on
their family farm.
Megan is a freshman at Young Harris College
but still lends a hand on the family farm.
The Oliver family farm produces laying hens, beef cattle, hay, and corn.
Top Corner: Brent Oliver manages his own farm in addition to helping out on the family farm.
AgGeorgia.14.winter 2011

Outlook 2011:
Managing Through Cycles
By: Dr. David M. Kohl
The other day while
I was conducting a
p r o d u c e r s e m i n a r ,
I met a couple who
had encouraged their
grandson to attend my
seminar, which resulted
in him missing classes at
a land-grant university where he is studying
agricultural business. In my previous life as
a professor at Virginia Tech, I was never too
keen on students missing classes. Frequently,
I would challenge them and give them a
special assignment to complete. In a brief
conversation with this student, I challenged
him to summarize my economic assessment
in 25 words or less. Did this young man
exceed my expectations? Yes. In summary,
he indicated that the U.S. economy is like
being on a balance beam, where one misstep
could result in unfortunate circumstances.
In general, the East and West Coasts,
along with the southern parts of the United
States, still feel like they are in a recession.
Contrast this to the upper Midwest, where
the comment would be, “What recession?” A
global assessment would measure up likewise.
The emerging BRIC nations, i.e. Brazil, Russia,
India, and China, have economic growth of
nine percent on average, with tremendous
demand for food, fiber, and fuel, which the
Midwest and row crop agricultural industries
produce. The European nations, particularly
the PIIGS, i.e., Portugal, Italy, Ireland, Greece
and Spain, are struggling with debt. In 2011,
it will be interesting to see if Germany and
France will have an appetite to continue
to assist these nations with their debt and
spending issues.
The Federal Reserve provided potential
stimulus to the economy through QE2, a
second round of quantitative easing. This was
designed to devalue the dollar to encourage
exports to grow the economy. Unfortunately,
the Euro sector debt challenges trumped
the Federal Reserve’s actions, which in turn
strengthened the dollar. Another strategy
of QE2 was to draw cash reserves off the
sidelines to invest in equities and other assets
to create the wealth effect, i.e., to encourage
people to spend because asset values
have increased.
The five game changers for agricultural
markets are continued growth in Asia and
particularly China, ethanol, low interest rates,
a weak dollar, and the weather. These aforementioned
elements are very bullish for row
crop, grains, and export driven agriculture,
and bearish for the livestock and poultry
industries. Unfortunately, these bullish times
on the crop side are creating local and regional
land value bubbles, very reminiscent of what
happened in many regions of the southern
and southwestern part of the U.S. several
years ago.
The one constant in business will
be managing volatility in revenue, input
costs, and interest rates. This will require
a balanced risk management plan analogous
to football strategy, including offense, defense
and special teams. That is, develop plans to
protect your revenues and take action when
profitable (offense), have a diversified plan
for purchasing inputs (defense), and protect
yourself from possible interest rate increases
(special teams), which is special to those
borrowing money.
Finally, the volatility of 2011 and beyond
will create many opportunities, but more
chances to fail as well. One strategy for those
going down the balance beam of business is
to stay away from the undisciplined pursuit
of more, and HUT, i.e. hear, understand, and
take action. z
Dr. David Kohl
David Kohl received his M.S. and Ph.D.
degrees in Agricultural Economics from
Cornell University. For 25 years, Kohl
was Professor of Agricultural Finance and
Small Business Management and Entrepreneurship
in the Department of Agricultural
and Applied Economics at Virginia Tech,
Blacksburg, Virginia.
Kohl has addressed the American
Bankers Agricultural Conference for over
30 consecutive years, and has appeared
before numerous state bankers’ schools and
conferences throughout the U.S., Canada,
Mexico, and the world. He has also been one
of the top rated instructors at the LSU and
Colorado Graduate Schools of Banking, and
is Chancellor of Farm Credit University,
which has trained over 700 lenders using an
online and face-to-face educational approach.
Kohl is currently President of AgriVisions,
LLC, a knowledge-based consulting
business providing cutting-edge programs
to leading agricultural organizations
worldwide. He is also business coach and
part owner of Homestead Creamery, a
value added dairy business in the Blue
Ridge Mountains.
The five game changers for agricultural markets are continued growth in Asia and
particularly China, ethanol, low interest rates, a weak dollar, and the weather.
AgGeorgia.15.winter 2011

Property for Sale
Properties for sale are listed as a service to our readers. Information is furnished by real estate agents and individuals and
AgGeorgia Farm Credit is not responsible for the accuracy of the listing contents. If you have property for sale in Georgia that
you wish to list in the Leader magazine please contact Mary Kiley for details at mkiley@aggeorgia.com or 770/536-3660 ext 374.
BANKS COUNTY
Hunters Delight. Secluded with hardwoods, 14.3
acres with 2 creeks. Purchase to hunt, camp, build
that getaway cabin. Backs up to Wilson Shoals
Wildlife Management. $107,800, MLS 2909617.
Tina Turner, Prudential Ga Realty, 706-499-6944
or office-706-778-4171.www.tinaturnersells.com.
WANT A SERIOUS VIEW! Impressive 4-sided brick
3BR/2BA ranch home is immaculate. The quality is
obvious in this open & spacious beauty. Maple floors
& cabinets, granite top country kitchen, great room
w/FP, sun porch, full unfinished bsmt w/shop area
& 3.26 acres. $299, 500 (93568) Bill 706-499-4720
Coldwell Banker Shield Heritage Clarkesville, Georgia
706-754-3281 shield@windstream.net
Horse Farm!! 30 Acre Facility that is fenced and cross
fenced, includes a barn/breeding facility, 10 stalls, plus
additional barn with stalls and storage, 3 bedroom, 2
bathroom home, 3 car garage, screened porch, island
kitchen, fireplace in living room and master suite.
$499,900 Call Kenneth Savage 770-718-8297 or
Savage Real Estate & Auction Co 770-983-0066
Burke County
Burke county Contact Max Boswell at 706-871-
9141 Mary Yelton Realty, Waynesboro, Ga Southernlandbrokers.com.
This 6.2 acre tract is just 2
miles north of Waynesboro with power and a well on
the property. The land consists of open pasture and
some hardwood. There is good paved frontage with a
split rail fence along the road. This tract has a beautiful
homesite with a great location for horses. There are
existing convenants with the land. Asking $75,000
VERY SPECIAL ACREAGE!! These 206 acres may be
the most beautiful in all of Northern Banks County
and Southern Habersham. Property highlighted with
spectacular mountain views, rolling pasture, stately
hardwoods, large creek with 30+ acre lake site and
long road frontage. Nothing better!!! $2,787,900
(93965) Bill 706-499-4720 Coldwell Banker Shield
Heritage Clarkesville, Georgia 706-754-3281 shield@
windstream.net
Contact Max Boswell at 706-871-9141 Mary
Yelton Realty, Waynesboro, Ga Seller ready
to sell! This 20.99 acre tract has large pine and
hardwoods with some open areas as well. Located
just 4 miles from Waynesboro, it has paved frontage,
power and a great homesite. Good land for horses,
reacreation and quite country living close to town.
this tract is a must see. Asking $85,000
Contact Max Boswell at 706-871-9141 Mary
Yelton Realty, Waynesboro, Ga This 22.81 acre
tract has approx. 670 feet of paved frontage. There
is a small cabin that has power and a well on the
property. This tract has a pine/hardwood mix with
a paved driveway giving great access to a future
homesite. This land offers good locations for hunting,
horses or recreation for a great country getaway.
Asking $68,430
299 acres listed for $849,900 Located on Beedy
Branch Road south of Waynesboro
AgGeorgia.16.WINTER 2011

150 acres 21 year old planted pine. 120 acres in
12 year old hardwood regeneration on Buckhead
Creek. Great power line ROW just waiting for your
dove field or food plots Mike Smith Forestry and
Realty, LLC landandtimberinga.com 706-554-3008
206 Manau Lane Waynesboro
Headline
Elbert County
deer and turkey. Established food plots and shooting
lanes already in place. Excellent stand of planted pines
for future income. Easily accessible with good interior
roads, which provide fun ATV riding. A private gated
entrance fronts on Walnut Road, less than a mile
from Hwy. 79. Priced at $2,875/ACRE. Contact
Eddie Drinkard, 706-318-3636 www.DrinkardRealEstateSales.com
Emmanuel County
142.81 acres listed for $299900. Located
on Broxton Lane just outside of Waynesboro.
Merchantable timber and some young hdw. Access
to Brier Creek. Mike Smith Forestry and Realty,
LLC landandtimberinga.com 706-554-3008 206
Manau Lane Waynesboro
Long Cove at Lake Russell This beautiful property
consists of 186.29 acres with over 4,700 feet of
Corps of Engineers frontage. Some property lines
are within 250-300 feet of the shoreline. Individual
tract sizes are 91.94 acres priced at $325,000 and
94.35 acres priced at $425,000. The private gated
entrance fronts on Dry Fork Landing Road, and is
located 13 miles from Elberton.. Property is 1 mile
from public boat ramp and within sight of Lake
Russell Park and Arrow Head Point Golf Course.
Beautiful hardwoods with winding stream through
bottom provide an ideal habitat for deer, turkey and
small game. Several established wildlife food plots.
Merchantable pine timber provides for present and
future income. Graveled interior roads provide easy
access to property and good ATV riding. Contact
Eddie Drinkard, 706-318-3636, www.DrinkardRealEstateSales.com
67.92 acres listed @ $114900. Located on
Stevens Crossing Road. 12 acres open balance in
young timber, Great for weekend getaway. Mike
Smith Forestry and Realty, LLC landandtimberinga.
com 706-554-3008 206 Manau Lane Waynesboro
Habersham County
51 Acres listed @ $549,900. 4000 sq ft house,
13 acre lake, horse stables and fenced paddocks,
equipment shed. Very nice property Mike Smith
Forestry and Realty, LLC landandtimberinga.com
706-554-3008 206 Manau Lane Waynesboro
Crawford County
Crawford County Beautiful 56 acre tract
fronting on US 80 only 15 miles from Macon
with additional frontage on paved Bently Road.
All weather stream and beautiful, mature hardwoods.
Owncr will consider subdividing into 4 tracts, all with
road access. $3.700/Acre for entire tract; $4,200/Acre
divided. Contact O’Neal Properties at (478)743-6818
or (888)743-6818 for more information.
The Pond at Flatwoods This 126 acre tract
offers hunting, fishing, timber investment, and
recreation opportunities! Located on Hester Road
in Elbert County, the property has a private gated
entrance. A 3 acre stocked pond is surrounded by
a wildlife food plot. A 12 acre food plot is ready
for hunting the plentiful deer and turkey. Good
interior roads provide easy truck and ATV access
through property. Priced at $2950/AC. Contact
Eddie Drinkard, 706-318-3636 www.DrinkardRealEstateSales.com
Walnut Road Tract Consisting of 40 acres, this
is an ideal sportsman hunting tract. Bordering a
nice, year-round creek, this tract supports plentiful
AgGeorgia.17.winter AgGeorgia.17.WINTER 2011
VERY HARD TO FIND! Farm w/36 acres of pasture,
woods, pond, creek & branch. 4BR/2BA home needs
some TLC but would be great project or guest house.
Build on one of several other sites. Mature blueberry
bushes. Near 4-lane for easy commuting. Possible
owner financing. (92395) $489,000 Bill 706-499-
4720 Coldwell Banker Shield Heritage Clarkesville,
Georgia 706-754-3281 shield@windstream.net
OLD EDDY WEST COMPOUND! Remarkable
property features: large home with 5BR& 5 full/2
half BA, smaller 3BR/2BA w/2-car garage, huge barn/
workshop (old showroom w/15,000+ sq ft), 13.34
acres w/pasture, big creek & so much more. Call
for full information. Very special property close to
Clarkesville. $795,000 (90494) Bill 706-499-4720

Coldwell Banker Shield Heritage Clarkesville, Georgia
706-754-3281 shield@windstream.net
Headline
WORLD OF POSSIBILITIES! Potential for 81+ acre
farm is unmatched. Includes 3BR/3BA farm house,
lake, 20-30 acres of pasture, mountain views &
1400+ ft on US Hwy 441 4-lane w/2 entrances &
decal lanes. Special piece of property for investment,
horses, commercial & other possibilities. $1,579,000
(93195) Bill 706-499-4720 Coldwell Banker Shield
Heritage Clarkesville, Georgia 706-754-3281 shield@
windstream.net
305 Suttles Road. One of Habersham’s Prettiest
Farms - Incredible mountain view, 63 gentle rolling
acres, fenced pasture, barn, brick home with 3/2
- 2 fireplaces and tremendous potential. Convenient,
yet private location. $875,000. Call Larry
- 706-499-5088
IRWIN COUNT Y—327 Old Whitley Road -
$175,000. This 59 acre property is located 3 miles
from Ocilla and 5 miles from Fitzgerald. It would be
perfect for new construction or farming. This track
has a farm history with wheat, oats, cotton, corn, and
sorghum base. For more information contact Candace
Jordan at Irwin County Realty. (229) 468-0050.
EXCITING RIVER HOME! Spacious 5BR/4.5BA rustic
country home w/3.13 acres on Soque River. Meticulously
detailed w/stacked stone & cedar shake exterior,
reclaimed wormy chestnut interior walls, reclaimed
red oak flooring, 30 ft vaulted ceilings w/beams, 2
fireplaces & all the bells & whistles. Unbelievable
home! $1,300,000 (82884) Ruth 706-499-4702
Coldwell Banker Shield Heritage Clarkesville, Georgia
706-754-3281 shield@windstream.net
Bring your Horses - 5.18 acres in Clarkesville,
Located in northern end of county down a small
country road. Features farm house (needs TLC)
creek, barn, pasture. $119,000, MLS 2885449. Tina
Turner, Prudential GA Realty, 706-499-6944 or office
706-778-4171,.www.tinaturnersells.com.
Hancock County
Hancock County, Ga—170 acres. Hunting and
investment tract 5yr old pine plantations, mature
hardwood, and some cutover, power, road frontage,
creeks, not far off the Ogeechee River, minutes to
I-20. will divide Mark Ross 478-951-3251
Irwin County
IRWIN COUNTY—413 Brushy Creek Road -
$75,000. This is a perfect weekend getaway!! Located
only 2 miles from town this secluded property has
over 14 acres of pine and hardwood surroundings.
The property includes small cabin overlooking an 1
acre pond. For more information contact Candace
Jordan at Irwin County Realty. (229) 468-0050.
Habersham County Horse Farm. Riding Arena -
140 x 250, 25.11 acres, fenced, cross fenced, barn,
county water, pond, two house sites. $339,000. Call
Larry - 706-499-5088
IRWIN COUNTY – Ponderosa and Wood Road
- $1,600,000. 416 +/- acres of land. This is a very
diversified farming operation. It includes cultivation,
pastures, 3 ponds, timberland, pivot irrigation, 3 phase
current, and grain bins. It has a wheat, cotton, and
peanut base. For more information contact Candace
Jordan at Irwin County Realty. (229) 468-0050.
IRWIN COUNT Y—155 Mockingbird Lane—
$675,000. This is a one of a kind home!! Designed
by architecture David McCall this property has it all.
Located on over 3 acres with lake view, it includes
garage space for up to 6 cars, electronic entry gate,
and a circular drive. It has plenty of entertaining space
with pool and outdoor kitchen. The home itself has
10 rooms: 4 bed, 4 bath, media room, gentleman’s
study, and a chef’s kitchen. Wood and marble flooring
throughout. Front and back staircase with formal
entry. Wired surveillance covers the property. This is
an amazing property and could be the house of your
dreams! For more information contact Candace Jordan
at Irwin County Realty. (229) 468-0050.
AgGeorgia.18.WINTER 2011

Headline
IRWIN COUNTY—325 Lax HWY – $189,500. This
stately home is very spacious with 5 bedrooms, 3
baths, and attached Mother-in-law suite. Plenty of
extras and is priced to sell! The property sits on a 1
acre corner lot. Located in a excellent neighborhood
for raising children and very close to local schools.
For more information contact Candace Jordan at
Irwin County Realty. (229) 468-0050.
Jackson County
Jackson County—Log Home on 3 Ac, 3Br/2.5Ba,
home is private, sunroom, deck, tip top condition,
call for your private tour. Dean Bright, ReMax
Assoc. Athens, 706-340-1701.
Jeff Davis County
2495 Broxton Hwy, Denton, Ga. 38ACs This unique
ranch home features rustic country charm with a
European twist. The kitchen has oak cabinetry with
black granite counters and island. Swimming area,
pool house is lake side.. Abundant in wildlife this
property has a creek and lake stocked with brim, bass
& catfish! Offered at $485,000.00. Call Susan Evans
@ 912-423-9291 or email susane@curryrealtors.com
website www.susansgeorgiahomes.com
Jefferson County
Jefferson County, Ga—478 acres. Ideal investment
tract with approximately 3/4 mile of frontage on the
Ogeechee River, good interior road network, paved
road frontage, beaver pond, 13yr old and 16 yr old
planted pines as well as mature natural pine/hardwood
mix, surrounded by large agricultural landowners,
loaded with game – deer, turkey, ducks, hogs Mark
Ross 478-951-3251
Johnson County
964 Cross Cedar, Wrightsville, Ga.—15 acres with
7 AC Lake & additional land available. This stately
estate overlooks the lake and in ground pool. Over
4000 sq. ft. built to perfection with only the best &
ornately designed. Large game room w/ kitchenette
on lower level opens to playground/pool area. Offered
at $697,000. Contact Susan Evans 912.423.9291 cell,
email susane@curryrealtors.com, website: www.http//
susansgeorgiahome.com
Macon County
This beautiful 10+ acre lake lot, makes the
ideal home site or getaway place, located
off Hwy 127 between Perry & Marshallville.
Protective covenants include houses only, 2000 sq.
Ft. Minimum. $74,000.00 Contact: juliana horsting
w/coldwell banker robbins & free @ 478.955.0259
Macon County, Ga 250 acres Very diverse tract,
with upland and Flint River bottomland fields,
improved road system, small fish pond, creek,
paved road frontage with power. Land has been
trophy managed for years! Convenient to I-75. Will
Divide Mark Ross 478-951-3251
Madison County
Farm For Sale—Carlton, Ga; Madison County.
45.35 acres on Lexington Road, with pond. 825 ft.
of paved road frontage. 6 room granite veneer house
built in 1951. Access to Broad River from back of
property (subject to permission by owners of adjacent
property to river front). Within 4 miles of Watson
Mill Bridge State Park. Great hunting & fishing and
great neighbors whose families built the community.
Will sell for ad valorem tax value ($224,000,
negotiable). Call Wendall at 706-246-5969.
Monroe County
Monroe County Middle Georgia Hunting Tract
located in Northern Monroe County. The tract is
26.32 acres lying adjacent to the only Middle Georgia
tract of U.S. Forest Scrvice in Monroe County and
in close proximity to the Ocmulgee River. The land
is rolling with several beautiful house sites. Deer and
wildlife abound. Excellent horse country with access to
numerous riding trails. Wooded with small food plots.
Approximately one hour from Hartsfield-Jackson
International Airport. $95,000. Contact O’Neal
Properties at (478)743-6818 or (888)743-6818 for
more information.
Monroe County. This tract lays adjacent to the only
Middle Georgia tract of U.S. Forest Service in Monroe
County and in close proximity to the Ocmulgee River.
Containing a small weather creek running through a
wooded glade with several food plots. With a total of
50.93 acres, this property is gently rolling and boasts
several excellent residential sites. Private and Secluded.
$199,000. Contact O’Neal Properties at (478)743-
6818 or (888)743-6818 for more information.
Oglethorpe County
The Retreat” A 515 Acre Super Hunting Tract!
This gorgeous tract has some open land with a scenic
cabin site on a hill overlooking a 5 acre pond. Several
creeks and branches wind through property. Beautiful
hardwood areas provide excellent habitat for deer and
turkey. Acres of pine timber growth for future income.
A gated board fence entrance fronts on Smith-Rocky
Branch Road, approx. 16 miles from Lexington, Ga.
Priced at $2,395/ACRE. Contact Eddie Drinkard,
706-318-3636 www.DrinkardRealEstateSales.
com Eddie Drinkard, Broker, Drinkard Real Estate
Sales, Inc.
AgGeorgia.19.winter AgGeorgia.19.WINTER 2011

Headline
Oglethorpe County—88 acres. 7 Acres stocked
lake, pasture, foot plots, 4Br/4Ba beautiful 4 yr. old
home, commercial kitchen, call for your private tour.
Dean Bright, ReMax Assoc. Athens, 706-340-1701.
Oglethorpe County, 150 acres, can subdivide,
creek, good road system, food plots, timber value,
call to tour this tract. Dean Bright, ReMax Assoc.
Athens, 706-340-1701.
Oglethorpe County, Laurel Lane, Maxeys,
Ga—13.4 acres of beautiful fenced pasture
with a barn and a well. Several pretty home sites.
For those of you who have horses or want a mini
farm, this is a perfect fit. This property is located in
Maxeys, GA where the A.T. Brightwell scholarship
is available. Wonderful community to raise a family.
Offered at a great price! Call Iris for more information.
706-338-8279 Iris Inc. dba Byram Realty.
Oglethorpe County, 783 Stevens Grove Church
Rd., Lexington, Ga—Beautiful french country estate
located on 51.7 acres with a massive creek on the
back and sides. 3 bedrooms, 2.5 baths with 12 & 14
foot trey ceilings & extensive molding throughout
the home. Large screen porch runs along the length
of the backside of the home. Travertine tile in baths
with clawfoot tub in master, ceramic tile and wood
floors, carpeting in the secondary bedrooms. Kitchen
has custom hickory cabinets with pickle wash and
custom wrought iron hardware, granite counter tops
and lead glass display cabinets for glassware and fine
china. Large bonus room that can be used as a game
room or a great room. Stone wood burning fireplace
in the living room. Separate dining room and office
which could be a fourth bedroom. A 30 x 50 Quonset
outbuilding and a shed are situated to the right back
corner of the home. The property has a long winding
driveway to the home where there is enough open
land for a small mini farm. The rest of the acreage is
hardwoods and pine trees in various stages of grow.
Perfect for hunting. Don’t miss out on this spectacular
property that has a little of everything. Offered at
a great price! Call Iris 706-338-8279 Iris Inc. dba
Byram Realty.
Oglethorpe County , Stephens Salem Road,
Stephens, Ga - 121+ acres of beautiful hunting
property that has a mixture of hardwoods and
pines with a creek and springs. 4 food plots that
could be fenced for horses. Great home sight. old well
on property. Great buy at $2,462 per acre Call Iris
706-338-8279 Iris Inc. dba Byram Realty.
Oglethorpe County, 9 Hargrove Lake Rd.,
Crawford, Ga—Beautiful fenced green pastures
with pond and nearly new home all on 28 acres.
Property is 60 % open and 40 % wooded. The home
has 3 bedroom and 2 baths, living room, kitchen and
dining room with a covered front porch and back
deck. Home has fresh paint and all new flooring.
The pond is fully stocked with large mouth bass,
shell crackers, hybird brim and blue gill brim. Deer
and turkey roam this property. Perfect for a horse or
cattle farm. Close to schools and shopping. Offered
at a great price. $224,900 Call Iris 706-338-8279 Iris
Inc. dba Byram Realty.
AgGeorgia.20.Winter 2011
Oglethorpe County, 3535 Thaxton Rd., Rayle,
Ga—REDUCED $100,000 !!! Don’t miss out on
this great buy..Horse lovers dream farm located in
rural Oglethorpe County on 147 acres with beautiful
pastures, a 2 acre pond, a grand 24 stall barn with
wash rack, four tack rooms, farrier stall, office, laundry
room and bathroom, with plenty of space for an
apartment. Wood boarded fenced show ring, six
pastures all with water. Back of the barn is a 24 X
62 mobile home. The property is approximately 65
acres of bermuda and fescue pasture with the rest in
pine trees. Don’t miss out on this great buy for this
established farm. $425,000. Call Iris 706-338-8279
Iris Inc. dba Byram Realty.
Screven County
111.37 acres Listed Price $278500 Located on
Newington Hwy, 45 ac open and partially fenced,
66 acres wooded with merchantable timber.
Great home site or for the weekend farmer. Mike
Smith Forestry and Realty, LLC landandtimberinga.
com 706-554-3008 206 Manau Lane Waynesboro
Seminole County
Hwy 374 Desser Landing Rd 195.72 Total Acres!
Great timber investment or recreation tract. Good deer
and duck hunting. Good road frontage. Included are
Approx. 145 acres of 18-22 year planted pines, five
ponds surrounded by live oak trees, good road system,
gated and a 10 acre cypress swamp. Great location near
Bainbridge and Lake Seminole. Main Area Seminole
County. ($2600.00 per AC) GA R.E. Lic #85910
Contact Mills Herndon @ First Thomasville Realty

229-226-6515 or 229-224-4115 or visit our website
at www.FTRealty.com MLS#368310
Taliaferro County
Headline
Taliaferro County, Lexington Rd., Crawfordville,
Ga—Nice hunting tract with seeded pine trees and
hardwoods. Double creeks with one creek running
through the property. Perfect site for a lake. Roads
cut through the property which makes it easy to show.
Road frontage on a major highway. Call Iris 706-338-
8279 Iris Inc. dba Byram Realty.
Telfair County
812 Walter Barrett Rd, McRae, Ga. 9.46 acres
surrounded by mature trees, gated remote entrance
and the new kitchen is a Chef’s delight! Beautiful
sunroom and deck overlooks the back yard! ! Offered
at $258,900 call Susan Evans @ 912-423-9291 or
email susane@curryrealtors.com website www.susansgeorgiahomes.com
69 Hummingbird Lane, McRae, Ga. 5.84 acres.
1820 Rose Hill c. 1820, Custom built home layered
with hardwood, tile custom ceilings and fireplaces with
ornate mantels! This replica is offered at $398,000 Call
Susan Evans @ 912-423-9291 or email susane@curryrealtors.com
website www.susansgeorgiahomes.com
52 Hummingbird Lane, McRae, Ga. 8 acres This
stunning European home host 4478 sq. ft. The
front entrance is just a taste of what’s to come. Three
bedroom suites, half bath and a kitchen that is a chef’s
delight with commercial gas stove. High ceilings are
enchanting with custom crown molding. The back
overlooks in ground pool & Wet weather creek. Built
with the best for the best! Offered at $698,000. Call
Susan Evans @ 912-423-9291 or email susane@curryrealtors.com
website www.susansgeorgiahomes.com
Thomas County
equipment and maintenance sheds, office and green
house. Located just 5 minutes south of downtown
Thomasville. Appointment necessary. Virtual Tour
Online. Contact Mills Herndon @ First Thomasville
Realty 229-226-6515 or 229-224-4115 or visit
our website at www.FTRealty.com MLS#900587
Reduced to $7,900,000
32755 US Hwy 19 North, Meigs, Ga Custom built
home on beautiful 46+/- acre Lake Charles.
Owners carefully designed this 4 BR/5.5 BA home
with over 6000+/- sq.ft. plus an additional 895 +/-
sq.ft. 3 car garage with CHA & surround sound. Enter
through beautiful mahogany front doors to a 2-story
foyers w/custom built wrought iron railing on the
staircase. Features include Formal DR; random HW
floors; GR with dry stacked stone FP & gas logs; stereo
system; hot water on demand; gourmet kitchen with
Thermador gas cook top & double ovens, warming
drawer, disposal, microwave, dishwasher, sub zero
refrigerator, granite countertops; Butlers Pantry w/
ice maker & beverage fridge; office with pine ceiling;
game room; wrapping room; spacious Master Suite w/
luxury bath; backup generator; security system; lots
of outdoor space includes a covered porch + 2000sq.
ft. of deck; outdoor kitchen; sprinkler system; storm
shelter; outdoor fireplace; dock & more! One of a kind
home with fantastic views! (GA R.E. Lic. #251044)
. Virtual Tour Online! Contact Kathy Palmer @
First Thomasville Realty 229-226-6515 or 229-220-
9823 or visit our website at www.FTRealty.com
MLS#901719 REDUCED TO $995,000
37 Hummingbird Lane, McRae, Ga. 1.78 Ac. Grand
simplicity w/ carefree living! Magnificent custom built
w/ oak, granite & tile. Back wall of the home has full
length windows with full length fireplace. Hardy
plank exterior wraps this spacious 4 bedroom 4 bath.
Offered at $337,000 call Susan Evans @ 912-423-
9291 or email susane@curryrealtors.com website
www.susansgeorgiahomes.com
8559 Springhill Road—Rosewood Plantation.
A rare opportunity to own one of Thomasville’s
most unique Equestrian and Hunting Properties.
The Equestrian facilities consist of a 5/8th mile track
with starting gate, clocker’s stand, 46 stalls, 18 fenced
paddocks, main barn, mare barn, tack room, wash
rack, 4 round pens , and plenty of pasture. The main
house is over 4,200 square feet, 6 BR, 5 1/2 BA,
large master suite, formal den/dining room and great
views of the 8 acre stocked lake, tennis court, and
3 hole golf course. Beautiful live oaks and longleaf
pine surround the house. The property is 1,050 acres
and offers excellent hunting opportunities for deer,
turkey, quail and ducks. It features a 14 acre plant and
flood duck pond and several stocked fishing ponds.
A Skeet and trap range are also on property. Many
other improvements include 9 separate guest houses,
AgGeorgia.21.winter 2011
346 McMillan Road, Ochlocknee This truly unique
cedar home on 43 secluded acres sits at the
end of a long curving drive. There is a fireside
living room with cathedral ceiling and large dining
room which opens to the keeping room and kitchen
with brick accents, including a wall and the cook
top surround. Kitchen countertops are Corian and
there is an island with prep sink. The spacious first
floor master suite has 2 walk-in closets and a luxurious
bath with whirlpool tub and shower. The home office
adjoins the master suite. There is pretty pine flooring
throughout the first floor. Upstairs are 3 bedrooms,
1.5 baths, and permanent stairs to the large attic.
Enjoy relaxing on the back porch overlooking the
lake or on the tree shaded brick patio or by the salt

water pool. Other amenities include a 1BR/1bath
guest house with attached shop and storage room
and a pool hut with bath. Property is located 9 miles
from Thomasville, 6 miles from Cairo and 3.5 miles
from Ochlocknee. Virtual Tour Online! Contact Pat
Glenn@ First Thomasville Realty 229-226-6515 or
229-224-2682 or visit our website at www.FTRealty.
com MLS#901182 $795,000
or email susane@curryrealtors.com website www.
susansgeorgiahomes.com
Wilkes County
Twiggs County
Twiggs County Rolling 14.82 acre tract with
approximately one and one-half acre pond.
Located in the country but less than 10 miles from
downtown Macon. Paved road frontage. $63,720.
Contact O’Neall Properties at (478)743-6818 or
(888)743-6818 for more information.
Goosepond Cottage, 661 Independence Street,
Tignall, Ga. Offered at $795,770. This gorgeous
cottage would be a great family retreat, horse farm, or
hunting cottage. Approximately 80 acres of rolling
land include a 16 acre lake that is 30 feet deep and
stocked with bass, bream and catfish. Enjoy fishing,
swimming and the moonlight from the dock. This
charming home and beautiful acreage is approximately
10 miles from Washington, Georgia and 8.1 miles
from its airport. Relax on the front porch of this
magnificent place and enjoy its beauty and serenity.
Agents: Laura McDaniel, (404) 374-5654, laura.
mcdaniel@harrynorman.com or Beatrice Garner,
(404) 314-0570, beatrice.garner@harrynorman.com
Long View Tract. This property contains 202 acres.
A Hunting, Timberland, and Recreation Tract. A
beautiful 360 degree view at the height of the property
presents an awesome cabin site. The property borders
Clarks Creek which is a major Wilkes County stream.
Interior creeks and lake site. Approx. 50 acres of
mature upland and bottom land hardwoods. Part of
property is in 5 yr. and older planted pines which
provides for investment opportunities. Super deer,
turkey, hog, and small game habitat. Excellent interior
roads throughout property make it a great recreational
tract for ATV riding. Located 4 miles west of Tignall
on the Mallorysville Road. Private gated entrance.
Priced at $2,295/ACRE. Call Eddie Drinkard,
706-318-3636, www.DrinkardRealEstateSales.com
Twiggs County 31.47 acres located on Twiggs
Wilkinson County line loaded with mature
hardwoods and creek. Has three building sites
with wells and septic systems. Paved road frontage but
very private. Will divide. $114,900. Contact O’Neal
Properties at (478)743-6818 or (888)743-6818 for
more information.
Wheeler County
Pembroke, 217 W. Robert Toombs Avenue,
Washington, Ga. Offered at $1,555,975. This
Antebellum home built around 1820 sits on approximately
53 +/- acres in the middle of town, yet is very
secluded. Included are 15 +/- acres of planted pine. It
is graced by a widow’s walk, six large fluted columns
in the front, a porte-cochere on the left, a pergola
with wisteria vine on the right, a marble Greek-style
gazebo and four large statues in the meadow, and a
bronze fountain in the rear garden. This property
has frontage on four roads and may be subdivided.
Approximately 100 miles from downtown Atlanta,
this lovely Antebellum home has been written about
in many periodicals and magazines. Agents: Laura
McDaniel, (404) 374-5654, laura.mcdaniel@harrynorman.com
or Beatrice Garner, (404) 314-0570,
beatrice.garner@harrynorman.com
Broad River Retreat Sportsman’s Paradise!
This 126.44 acre tract has 4000 feet of frontage on
Broad River, making it a super recreational tract
offering canoeing, fishing, hunting, and camping
opportunities. Located on Hwy. 17 ath the Wilkes/
Elbert County line, this property has easy access with
a gated fence entrance and good interior road fronting
the gently flowing river. Established wildlife food
plots for deer and turkey. Unusual open water duck
pond. Cleared and planted food plots. Priced at
$2,750/ACRE. Owner/Broker. Call Eddie Drinkard,
706-318-3636 www.DrinkardRealEstateSales.com
North Georgia
31 Couey Lane, Alamo, Ga. 184 AC with
outstanding like new brick home! Natural hardwood
branches 25 ac., slash pine 140 ac, & 25 ac hayfield.
Excellent hunting w/ food plots! 3 bedrooms, 2
baths with over 2000sq ft. with an added bonus of
another farm house & new 30 x 60 shop! Offered
for $658,479 call Susan Evans @ 912-423-9291
7+ Acre Mini Farm with Mountain Views. Home is
3,748 Sq Ft, has barns and other storage building, lush
fenced pasture, garden area, above ground swimming
pool, and a rental home on the property. Property
AgGeorgia.22.winter 2011

qualifies for USDA financing $178,900 Bobbie Elrod
770-639-4805 or 706-865-5400.
Home on 1.2 acres. Beautiful Old fashioned tongue
and groves walls, 2 or 3 bedrooms, 2 bath, Rocking
Chair Front Porch, Deck and storage building. The
Loft area can be extended to make an additional
room. $110,000 Bobbie Elrod 770-639-4805 or
706-865-5400 www.belrod@nortonnorthga.com
www.ELRODBOBBIE.georgiamls.com www.nortonnorthga.com
15.4 acres with views of the Mountains and
Cathy’s Creek. Shop with electricity on the property,
their is bottom land, hill side land etc - great place for
your dream home and room for a couple of horses etc.
$298,000 Bobbie Elrod 770-639-4805 or 706-865-
5400 www.belrod@nortonnorthga.com, www.
ELRODBOBBIE.gmls.com, www.nortonnorthga.com
If you are looking for a comfortable home in a
small community this is the one. Split Bedroom
plan, a Jack & Jill Bathroom, Large Master bedroom
and bath. $135,000 Bobbie Elrod 770-639-4805
or 706-865-5400, www.belrod@nortonnorthga.com,
www.ELRODBOBBIE.georgiamls.com, www.nortonnorthga.com
The Clarkesville office staff took advantage of
the January snow to have a group photo made at
the Hazel Creek Mill near the office. Posing for
the camera are (standing from the left) Charlotte
Taylor, Cindy Smith, Jim Hodges, Jennifer Bush
(kneeling) Janice Farr and Diana Davidson.
AgGeorgia.23.winter 2011

When you find the “perfect piece of land,” call us.
AgGeorgia Farm Credit offers the perfect solution for
absolutely anyone interested in a loan to purchase land.
Experience the difference experience makes.
800.868.6404
www.aggeorgia.com
AgGeorgia.24.winter 2011

AgGeorgia Services and Benefits
You have many choices and benefits for managing your loan when you do business with AgGeorgia Farm Credit. Here are just a few:
AccountAccess LoanLine Patronge Refund
Have you tried AccountAccess? It’s a
handy, easy way for you to keep tabs on your
AgGeorgia loan. You can view your account
information online at any time at www.
aggeorgia.com. You can also make your loan
payments when it’s convenient for you—24
hours a day, 7 days a week. Your annual
year-end statement and IRS 1098 and 1099
tax forms are also available online through
AccountAccess.
LoanLine is around-the-clock access to
your loan information. At Farm Credit, we
understand that your day doesn’t end at five
o’clock. That’s why we’ve created LoanLine,
your 24-hour toll-free telephone access to
loan information. LoanLine works around
your schedule. Dial toll-free 1-877-LoanLine
(1-877-562-6546.)
A major difference between AgGeorgia
Farm Credit and other lenders is that Farm
Credit can return its profits to our borrowers.
As a cooperative we can share our profits with
our borrowers through Patronage Refunds.
A patronage refund is a way of distributing
the association’s net income to its memberstockholders.
A member’s refund is based on
the proportion of interest earned on his or
her loan to the total interest earned by the
association and is a way to refund a portion
of the interest you have paid on your loan.
This reduces your effective cost of borrowing.
So it pays to do business with AgGeorgia
Farm Credit! z
AgGeorgia.25.winter 2011

Financial Report
Consolidated
Balance Sheets
AgGeorgia Farm Credit ACA
Consolidated Balance Sheets
AgGeorgia Farm Credit ACA
December 31, December 31, December 31,
(dollars in thousands) 2010 2009 2008
Consolidated Balance Sheets
Assets
Cash $ 433 $ 664 $ 5,181
Loans December 1,111,650 31, December 1,060,819 31, December 1,000,658 31,
(dollars Less: in allowance thousands) for loan losses 2010 11,943 20098,874 20087,220
Net loans 1,099,707 1,051,945 993,438
Assets
Accrued Cash interest receivable $ 14,201 433 $ 14,685 664 $ 17,442 5,181
Investments in other Farm Credit institutions 22,314 22,440 23,982
Loans 1,111,650 1,060,819 1,000,658
Premises and equipment, net 8,536 8,992 9,095
Less: allowance for loan losses 11,943 8,874 7,220
Other property owned 9,757 3,336 436
Due Net from loans AgFirst Farm Credit Bank 1,099,707 11,396 1,051,945 9,945 993,438 10,902
Other assets
Accrued interest receivable
10,959
14,201
10,933
14,685
10,157
17,442
Investments Total assets in other Farm Credit institutions $ 1,177,303 22,314 $ 1,122,940 22,440 $ 1,070,633 23,982
Premises and equipment, net 8,536 8,992 9,095
Other Liabilities property owned 9,757 3,336 436
Due Notes from payable AgFirst to AgFirst Farm Credit Farm Bank Credit Bank $ 969,723 11,396 $ 923,243 9,945 $ 870,924 10,902
Other Accrued assets interest payable 10,959 2,542 10,933 2,805 10,157 3,295
Patronage
Total
refund
assets
payable
$ 1,177,303
4,308
$ 1,122,940
3,679
$ 1,070,633
6,102
Other liabilities 13,501 16,103 18,467
Liabilities Total liabilities 990,074 945,830 898,788
Notes payable to AgFirst Farm Credit Bank $ 969,723 $ 923,243 $ 870,924
Commitments and contingencies
Accrued interest payable 2,542 2,805 3,295
Patronage Members' refund Equitypayable 4,308 3,679 6,102
Protected Other liabilities borrower stock 13,501 131 16,103 183 18,467 269
Capital stock and participation certificates 4,162 3,955 3,797
Total liabilities 990,074 945,830 898,788
Retained earnings
Commitments Allocated and contingencies
86,661 82,515 86,638
Unallocated 96,300 90,692 81,134
Accumulated
Members' Equity
other comprehensive income (loss) (25) (235) 7
Protected borrower stock 131 183 269
Capital Total stock members' and participation equity certificates 187,229 4,162 177,110 3,955 110 171,845 3,797
Retained
Total
earnings
liabilities and members' equity $ 1,177,303 $ 1,122,940 $ 1,070,633
Allocated 86,661 82,515 86,638
Unallocated 96,300 90,692 81,134
Accumulated other comprehensive income (loss) (25) (235) 7
Total members' equity 187,229 177,110110 171,845
Total liabilities and members' equity $ 1,177,303 $ 1,122,940 $ 1,070,633
Consolidated Statements of Income
Consolidated
Statements of Income
(unaudited)
The shareholders’ investment in the association is
materially affected by the financial condition and
results of operations of AgFirst Farm Credit Bank.
Copies of AgFirst’s quarterly and annual financial
reports to shareholders are available free of charge
at www.agfirst.com, or by writing to AgFirst Farm
Credit Bank, Financial Reporting Department,
P.O. Box 1499, Columbia, SC 29202-1499.
For the year ended December 31,
(dollars in thousands) 2010 2009 2008
Consolidated Statements of Income
Interest Income
Loans $ 65,754 $ 64,632 $ 72,872
Interest Expense
For the year ended December 31,
(dollars Notes payable in thousands) to AgFirst Farm Credit Bank 2010 32,202 2009 34,551 2008 42,149
Net
Interest
interest
Income
income 33,552 30,081 30,723
Provision
Loans
for (reversal of allowance for) loan losses
$ 65,754
7,115
$ 64,632
2,790
$ 72,872
(56)
Net
Interest
interest
Expense
income after provision for (reversal of
Notes
allowance
payable
for)
to
loan
AgFirst
losses
Farm Credit Bank 32,202
26,437
34,551
27,291
42,149
30,779
Noninterest Income
Net interest income 33,552 30,081 30,723
Loan fees 1,581 1,421 1,551
Provision for (reversal of allowance for) loan losses 7,115 2,790 (56)
Fees for financially related services 45 82 100
Net Patronage interest refund income from after other provision Farm Credit for (reversal institutions of
Gains allowance (losses) for) on loan other losses property owned, net
12,159
26,437 (1,677)
10,073
27,291 (53)
11,308
30,779 (342)
Gains (losses) on sales of premises and equipment, net 45 439 40
Insurance
Noninterest
Fund
Income
refund 1,314 — —
Loan
Other
fees
noninterest income
1,581
128
1,421
175
1,551
65
Fees for financially related services 45 82 100
Patronage Total noninterest refund from income other Farm Credit institutions 13,595 12,159 12,137 10,073 12,722 11,308
Gains (losses) on other property owned, net (1,677) (53) (342)
Gains
Noninterest
(losses)
Expense
on sales of premises and equipment, net 45 439 40
Insurance
Salaries and
Fund
employee
refund
benefits 14,533
1,314
13,001
—
11,119
—
Other
Occupancy
noninterest
and equipment
income
1,405
128
1,439
175
1,490
65
Insurance Fund premiums 510 1,793 1,416
Other Total noninterest operating expenses income 13,595 3,853 12,137 4,498 12,722 4,192
Noninterest Total noninterest Expense expense 20,301 20,731 18,217
Salaries and employee benefits 14,533 13,001 11,119
Occupancy
Income before
and
income
equipment
taxes 19,731
1,405
18,697
1,439
25,284
1,490
Provision
Insurance
(benefit)
Fund premiums
for income taxes
510
(1)
1,793
6
1,416
(90)
Net Other income operating expenses $ 19,732 3,853 $ 18,691
4,498 $ 25,374
4,192
Total noninterest expense 20,301 20,731 18,217
Income before income taxes 19,731 18,697 25,284

AgGeorgia.27.Autumn AgGeorgia.27.winter 2011 2010

AgGeorgia Farm Credit
P.O. Box 1820
Perry, GA 31069
PRSRT STD
U.S. POSTAGE
PAID
COLUMBIA SC
PERMIT 1160
Office Locations
Cartersville
1300 East Main Street
Cartersville, GA 30120
(770) 382-3637
Gainesville
501 Broad Street
Gainesville, GA 30501
(770) 534-5395
Ocilla
302 S. Cherry Street
Ocilla, GA 31774
(229) 468-5900
Sandersville
775 Sparta Road
Sandersville, GA 31082
(478) 552-6922
Chatsworth
19 Woodlake Drive
Chatsworth, GA 30705
(706) 695-0020
LaFayette
700 East Villanow Street
LaFayette, GA 30728
(706) 638-1940
Perry
468 Perry Parkway
Perry, GA 31069
(478) 987-1434
Sylvester
105 Dexter Wilson Blvd
Sylvester, GA 31791
(229) 776-5599
Clarkesville
102 Blacksnake Road
Mt. Airy, GA 30563
(706) 754-4158
Montezuma
317 Walnut Street
Montezuma, GA 31063
(478) 472-5156
Quitman
504 E. Screven Street
Quitman, GA 31643
(229) 263-7551
Tifton
1807 King Road
Tifton, GA 31794
(229) 382-4300
Cordele
1207 South Greer Street
Cordele, GA 31010
(229) 273-3927
Moultrie
22 5 th Avenue., SE
Moultrie, GA 31768
(229) 985-3893
Rome
701 East 2 nd Avenue
Rome, GA 30162
(706) 291-6340
Washington
U.S. 78, 311 North Bypass
Washington, GA 30673
(706) 678-7088
Dublin
826 Bellevue Avenue
Dublin, GA 31021
(478) 272-3255
Nashville
707 N. Davis Street
Nashville, GA 31639
(229) 686-5081
Royston
675 Church Street
Royston, GA 30662
(706) 245-6142
Waynesboro
176 Highway 80 West
Waynesboro, GA 30830
(706) 554-2107
www.aggeorgia.com
www.landbanksolutions.com