Oconee Financial Corporation (“ Oconee”), a registered bank holding company, was incorporated under the laws of the State of Georgia in 1998 and commenced At December 31, 2011, the Bank’s total assets were $259,846,000, compared to $279,368,000 at year-end 2010. Over the past 5 years, total assets of the Bank The Bank is a community oriented, full-service commercial bank, headquartered in Oconee County, Georgia with four full-service banking offices and five automated teller machines (“ ATMs”). The Bank places an emphasis on retail and small business banking, and offers customary The Bank operates primarily in Oconee and Athens-Clarke Counties in Georgia. The Bank’s secondary market is defined as other counties contiguous to Oconee County, which include Greene, Morgan, Walton, and Barrow Counties, and the rest of the Athens Metropolitan Statistical Area. Oconee County has been named as one of the best places to live in rural America by a national publication....