Heritage Financial Group operates as the holding company for HeritageBank of the South, a savings bank in Georgia. The bank offers various services, including commercial banking, private banking, indirect auto lending, retail banking, brokerage/investment, and mortgage lending services. Its deposit products include savings accounts, NOW and demand accounts, money market deposit, and term certificate accounts and checking accounts. The bank also originates residential mortgage loans secured by one to four-family and multifamily residences, commercial real estate and business loans, and a variety of consumer loans. As of April 26, 2006, HeritageBank operated six banking offices in Albany,...