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 Frank.Townsend,.President 

SB&T, a federally chartered thrift institution, is a subsidiary of Southeastern Bank Financial Corporation. In three years of operation, the community bank has reached an impressive asset size of over $123 million. Southern Bank & Trust operates three full service branches in Aiken and North Augusta, South Carolina. The Bank provides deposit, real estate, lending and other services to individuals, businesses and professionals in the Aiken County area.

As the newest subsidiary of Southeastern Bank Financial Corporation, the young community bank has benefited from the deep roots of its already established sister institution—Georgia Bank & Trust—Augusta's oldest local, independent bank. From the beginning, the organizers chose the familiar blue shield as a visual means to mark the commonalities of the two institutions. Namely, both banks share the core values of integrity, excellence and responsiveness as well as an unwavering commitment to excellence in service.

Frank Townsend, Southern Bank & Trust’s President, says, “Our executive team has always believed that a community bank should be just that — a bank that understands the people, businesses and needs of the community it serves. We are proud that we have established a team of bankers with over 400 years combined financial experience committed to the growth and prosperity of our community.”

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