Southeastern Bank Financial Corporation is a bank holding company. The Company�s services include the origination of residential and commercial real estate loans, construction and development loans, and commercial and consumer loans. The Company also offers a variety of deposit programs, including noninterest-bearing demand, interest checking, money management, savings, and time deposits. Its additional services include wealth management, trust, retail investment, and mortgage. The Company�s wholly owned subsidiary, Georgia Bank & Trust Company of Augusta (GB&T), primarily does business in the Augusta-Richmond County, Georgia-South Carolina (GA-SC) metropolitan area. GB&T is a commercial bank regulated by the Georgia Department of Banking and Finance (GDBF) and the Federal Deposit Insurance Corporation (FDIC). On December 5, 2011, the Company consummated the merger of its two wholly owned bank subsidiaries, which include Southern Bank & Trust (SB&T), and GB&T.