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<div align="center" style="font-size: 10pt"><B>As filed with the Securities and Exchange Commission on June 30, 2005</B>&nbsp;&nbsp;&nbsp;&nbsp; <B>Registration No.&nbsp;333-</B></div>



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<P align="center" style="font-size: 14pt"><B>SECURITIES AND EXCHANGE COMMISSION</B>

<DIV align="center" style="font-size: 12pt"><B>WASHINGTON, D.C. 20549</B>
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<DIV align="center" style="font-size: 12pt"><DIV align="center"><DIV style="font-size: 3pt; margin-top: 16pt; width: 26%; border-top: 1px solid #000000">&nbsp;</DIV></DIV>
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<P align="center" style="font-size: 18pt"><B>FORM S-8</B>


<P align="center" style="font-size: 12pt"><B>REGISTRATION STATEMENT<BR>
UNDER<BR>
THE SECURITIES ACT OF 1933</B>


<P align="center" style="font-size: 10pt"><DIV align="center"><DIV style="font-size: 3pt; margin-top: 16pt; width: 26%; border-top: 1px solid #000000">&nbsp;</DIV></DIV>


<P align="center" style="font-size: 24pt"><B>ebank Financial Services, Inc.</B>


<DIV align="center" style="font-size: 10pt">(Exact name of Registrant as specified in its charter)</DIV>


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    <TD align="center" valign="top"><B>GEORGIA</B><BR>
(State or other jurisdiction of<BR>
incorporation or organization)
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>58-2349097</B><BR>
(I.R.S. Employer<BR>
Identification No.)</TD>
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<P align="center" style="font-size: 10pt">2410 Paces Ferry Road, Suite&nbsp;190<BR>
Atlanta, Georgia 30339<BR>
(770)&nbsp;863-9225<BR>
(Address, including zip code, and telephone number, including area code, of Registrant&#146;s principal executive offices)



<P align="center" style="font-size: 12pt"><B>ebank.com, Inc. 1998 Stock Incentive Plan</B><BR>
<div align="center" style="font-size: 10pt">(Full title of the Plan)</div>



<P align="center" style="font-size: 10pt"><B>James L. Box</B><BR>
Chief Executive Officer<BR>
ebank Financial Services, Inc.<BR>
2410 Paces Ferry Road, Suite&nbsp;190<BR>
Atlanta, Georgia 30339<BR>
(770)&nbsp;863-9225<BR>
(Name, address, including zip code, and telephone number, including area code, of agent for service)



<P align="center" style="font-size: 10pt"><I>Copy Requested to:</I>



<P align="center" style="font-size: 10pt"><B>J. Matthew Martin, Esq.</B><BR>
Shumacker Witt Gaither &#038; Whitaker, P.C.<BR>
1100 SunTrust Bank Building<BR>
736 Market Street<BR>
Chattanooga, Tennessee 37402<BR>
(423)&nbsp;425-7000




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    <TD width="1%">&nbsp;</TD>
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  <td colspan="15" align="center" style="font-size: 10pt"><B>CALCULATION OF REGISTRATION FEE</B></td>
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    <TD nowrap align="left" colspan="15" style="border-bottom: 3px solid #000000">&nbsp;</TD>
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<TR style="font-size: 8pt" valign="bottom">    <TD width="1%">&nbsp;</TD>

    <TD>&nbsp;</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">Proposed</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">Proposed</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
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    <TD>&nbsp;</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">maximum</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">Maximum</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">    <TD width="1%">&nbsp;</TD>

    <TD nowrap align="center">Title of each class of</TD>
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    <TD>&nbsp;</TD>
    <TD nowrap align="center">Amount to</TD>
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    <TD>&nbsp;</TD>
    <TD nowrap align="center">offering price</TD>
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    <TD>&nbsp;</TD>
    <TD nowrap align="center">Aggregate</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">Amount of</TD>
    <TD width="1%">&nbsp;</TD>
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    <TD nowrap align="center">Securities to be registered</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">be registered(1)</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">per unit(2)</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">Offering price(2)</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">registration fee(3)</TD>
    <TD width="1%">&nbsp;</TD>
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                    <TD style="border-top: 2px solid #000000"><DIV style="margin-left:15px; text-indent:-15px">Common Stock, $0.01 par value per share</DIV></TD>
    <TD style="border-right: 2px solid #000000; border-top: 2px solid #000000">&nbsp;</TD>
    <TD style="border-top: 2px solid #000000">&nbsp;</TD>
    <TD align="center" valign="top" style="border-top: 2px solid #000000">420,000 shares</TD>
    <TD style="border-right: 2px solid #000000; border-top: 2px solid #000000">&nbsp;</TD>
    <TD style="border-top: 2px solid #000000">&nbsp;</TD>
    <TD align="center" valign="top" style="border-top: 2px solid #000000">$0.99</TD>
    <TD style="border-right: 2px solid #000000; border-top: 2px solid #000000">&nbsp;</TD>
    <TD style="border-top: 2px solid #000000">&nbsp;</TD>
    <TD align="center" valign="top" style="border-top: 2px solid #000000">$415,800</TD>
    <TD style="border-right: 2px solid #000000; border-top: 2px solid #000000">&nbsp;</TD>
    <TD style="border-top: 2px solid #000000">&nbsp;</TD>
    <TD align="center" valign="top" style="border-top: 2px solid #000000">$48.94</TD>
    <TD width="1%" style="border-top: 2px solid #000000">&nbsp;</TD>
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    <TD width="1%" nowrap align="left">(1)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Represents additional shares of ebank Financial Services, Inc. Common Stock authorized
for issuance under the ebank.com, Inc. 1998 Stock Incentive Plan, as amended by an amendment
approved by the Company&#146;s shareholders at the 2005 Annual Meeting of Shareholders on May&nbsp;16,
2005 (the &#147;Plan&#148;). Also registered hereunder are such additional number of shares of Common
Stock, presently indeterminable, as may be necessary to satisfy the antidilution provisions of
the Plan to which this Registration Statement relates.</TD>
</TR>

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    <TD width="1%" nowrap align="left">(2)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>In accordance with Securities Act Rules 457(c) and 457(h), the aggregate offering price and
the amount of the registration fee are computed based on the average of the bid and ask prices
reported for the Common Stock on June&nbsp;24, 2005, as quoted on the OTC Bulletin Board.</TD>
</TR>

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    <TD width="1%" nowrap align="left">(3)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Pursuant to Instruction E. to the General Instructions to Form S-8, no filing fee with
respect to the 230,000 shares of Common Stock previously registered on Form S-8 (File No.
333-88461) is required. Accordingly, the fee being paid herewith pertains to the additional
420,000 shares of Common Stock.</TD>
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<!-- link1 "INCORPORATION OF CONTENTS OF PRIOR REGISTRATION STATEMENT<BR> AND<BR> EXPLANATORY NOTE" -->

<P align="center" style="font-size: 10pt"><B>INCORPORATION OF CONTENTS OF PRIOR REGISTRATION STATEMENT<BR>
AND<BR>
EXPLANATORY NOTE</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ebank Financial Services, Inc. (the &#147;Company&#148;) is filing this Registration Statement on Form
S-8 pursuant to General Instruction E to Form S-8 to register 420,000 additional shares of the
Company&#146;s Common Stock, par value $.01 per share, authorized for issuance pursuant to outstanding
options or future awards granted under the ebank.com, Inc. 1998 Stock Incentive Plan, as amended
(the &#147;Plan&#148;). Such shares are in addition to those previously registered on the Company&#146;s
Registration Statement on Form S-8 (File No.&nbsp;333-88461) filed with the Securities and Exchange
Commission (the &#147;Commission&#148;) on October&nbsp;5, 1999 in connection with such Plan. The Company
incorporates herein by reference the contents of such previously filed Registration Statement.

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<P align="center" style="font-size: 10pt"><B>PART I</B>


<!-- link1 "INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS" -->

<P align="center" style="font-size: 10pt"><B>INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In accordance with the Note to Part&nbsp;I of Form S-8, the information specified by Part&nbsp;I has
been omitted from this Registration Statement.

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<P align="center" style="font-size: 10pt"><B>PART II</B>


<!-- link1 "INFORMATION REQUIRED IN THE REGISTRATION STATEMENT" -->

<P align="center" style="font-size: 10pt"><B>INFORMATION REQUIRED IN THE REGISTRATION STATEMENT</B>


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<P align="left" style="font-size: 10pt"><B>Item&nbsp;3. Incorporation of Documents by Reference.</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following documents have been filed by the Company with the Commission under the
Securities Exchange Act of 1934, as amended (the &#147;Exchange Act&#148;), and are incorporated herein by
reference:


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    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">a.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The Company&#146;s Annual Report on Form 10-KSB for the fiscal year ended December
31, 2004, filed with the Commission on March&nbsp;29, 2005 (File No.&nbsp;000-24043);</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
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    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">b.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The Company&#146;s Quarterly Report on Form 10-QSB for the fiscal quarter ended
March&nbsp;31, 2005, filed with the Commission on May&nbsp;16, 2005 (File No.&nbsp;000-24043);</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
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    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">c.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The Company&#146;s Current Reports on Form 8-K, filed with the Commission on January
3, 2005 (File No.&nbsp;000-24043), April&nbsp;1, 2005 (File No.&nbsp;000-24043), May&nbsp;17, 2005 (File
No.&nbsp;000-24043); and May&nbsp;31, 2005 (File No.&nbsp;000-24043); and</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">d.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The description of the Company&#146;s Common Stock contained in the Company&#146;s
Registration Statement filed under the Exchange Act on Form 8-A, dated April&nbsp;17, 1998,
as updated by the description of the Company&#146;s Common Stock contained in the Prospectus
dated April&nbsp;15, 2004, that forms a part of the Company&#146;s Registration Statement on Form
SB-2 (File No.&nbsp;333-110819) filed under the Securities Act of 1933 (the &#147;Securities
Act&#148;) and any amendment or report filed for the purpose of further updating such
description.</TD>
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<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All documents subsequently filed by the Company pursuant to Sections&nbsp;13(a), 13(c), 14 or 15(d)
of the Exchange Act, prior to the filing of a post-effective amendment indicating that all
securities offered hereby have been sold or which deregisters all securities then remaining unsold,
shall by deemed to be incorporated by reference into this Registration Statement and to be a part
hereof from the date of filing of such documents. Any statement contained herein or in a document,
all or a portion of which is incorporated or deemed to be incorporated by reference herein, shall
be deemed to be modified or superseded for purposes of this Registration Statement to the extent
that a statement contained herein or in any other subsequently filed document which also is or is
deemed to be incorporated by reference herein modifies or supersedes such statement. Any such
statement so modified or superseded shall not be deemed, except as so modified or amended, to
constitute part of this Registration Statement.


<P align="center" style="font-size: 10pt">2
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<!-- link2 "Item&nbsp;4. Description of Securities." -->

<P align="left" style="font-size: 10pt"><B>Item&nbsp;4. Description of Securities.</B>



<P align="left" style="font-size: 10pt">Not applicable.

<!-- link2 "Item&nbsp;5. Interests of Named Experts and Counsel." -->

<P align="left" style="font-size: 10pt"><B>Item&nbsp;5. Interests of Named Experts and Counsel.</B>


<P align="left" style="font-size: 10pt">Not applicable.


<!-- link2 "Item&nbsp;6. Indemnification of Directors and Officers." -->

<P align="left" style="font-size: 10pt"><B>Item&nbsp;6. Indemnification of Directors and Officers.</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Georgia Business Corporation Code permits a corporation to eliminate or limit the personal
liability of a director to the corporation or its shareholders for monetary damages for any breach
of duty of care or other duty as a director, provided that no provision shall eliminate or limit
the liability of a director for:


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    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>an appropriation, in violation of his duties, of any business opportunity of the corporation;</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>acts or omissions which involve intentional misconduct or a knowing violation of law;</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
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    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>unlawful corporate distributions; or</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>any transaction from which the director received an improper personal benefit.</TD>
</TR>

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<P align="left" style="font-size: 10pt">The Georgia Code permits a corporation to indemnify officers to the same extent as directors. Our
articles of incorporation exonerate our directors from monetary liability to the extent described
above, and our bylaws provide the same limitation of liability to our officers.



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In addition to these rights provided by law, our articles of incorporation and our bylaws
provide broad indemnification rights to our directors and the officers, employees, and agents
designated by our directors, with respect to various civil and criminal liabilities and losses
which may be incurred by the director, officer, agent, or employee under any pending or threatened
litigation or other proceedings, except that this indemnification does not apply in the same
situations described above with respect to the exculpation from liability of our directors. We are
also obligated to reimburse directors and other parties for expenses, including legal fees, court
costs and expert witness fees, incurred by the person in defending against any liabilities and
losses, as long as the person in good faith believes that he or she acted in accordance with the
applicable standard of conduct with respect to the underlying accusations giving rise to such
liabilities or losses and agrees to repay to us any advances made if it is ultimately determined
that the person is not entitled to indemnification by us. Any amendment or other modification to
the applicable law, our articles of incorporation, or our bylaws as currently provided which limits
or otherwise adversely affects the rights to indemnification will apply only to proceedings based
upon actions and events occurring after such amendment and, in the case of amendments to our
articles or bylaws, delivery of notice thereof to the indemnified parties.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We hold an insurance policy covering directors and officers under which the insurer agrees to
pay, subject to certain exclusions, for any claim made against our directors and officers for a
wrongful act that they may become legally obligated to pay or for which we are required to
indemnify the directors or officers.

<!-- link2 "Item&nbsp;7. Exemption from Registration Claimed." -->

<P align="left" style="font-size: 10pt"><B>Item&nbsp;7. Exemption from Registration Claimed.</B>


<P align="left" style="font-size: 10pt">Not applicable.


<!-- link2 "Item&nbsp;8. Exhibits." -->

<P align="left" style="font-size: 10pt"><B>Item&nbsp;8. Exhibits.</B>


<P align="left" style="font-size: 10pt">The Exhibit&nbsp;Index attached to this Registration Statement is incorporated herein by reference.



<P align="center" style="font-size: 10pt">3
</DIV>

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<!-- link2 "Item&nbsp;9. Undertakings." -->

<P align="left" style="font-size: 10pt"><B>Item&nbsp;9. Undertakings.</B>


<P align="left" style="font-size: 10pt">The Company hereby undertakes that it will:



<P>
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<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>File, during any period in which it offers or sells securities, a post-effective
amendment to this registration statement to:</TD>
</TR>

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<P>
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<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Include any prospectus supplement required by Section&nbsp;10(a)(3) of the
Securities Act;</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Reflect in the prospectus any facts or events which, taken individually
or together, represent a fundamental change in the information in the Registration
Statement. Notwithstanding the foregoing, any increase or decrease in the volume
of securities offered (if the total dollar value of securities offered would not
exceed that which was registered) and any deviation from the low or high end of the
estimated maximum offering range may be reflected in the form of prospectus filed
with the Commission pursuant to Rule 424(b) if, in the aggregate, the changes in
volume and price represent no more than a 20&nbsp;percent change in the maximum
aggregate offering price set forth in the &#147;Calculation of Registration Fee&#148; table
in the effective Registration Statement;</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">(iii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Include any additional or changed material information on the plan of
distribution;</TD>
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<P align="left" style="margin-left:6%; font-size: 10pt">provided, however, that the undertakings set forth in paragraphs (i)&nbsp;and (ii)&nbsp;above do
not apply if the information required to be included in a post-effective amendment by
those paragraphs is contained in periodic reports filed with the Commission by the
Company pursuant to the Exchange Act that are incorporated by reference in this
Registration Statement;


<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>For determining liability under the Securities Act, treat each such post-effective
amendment as a new registration statement of the securities offered, and the offering of
the securities at that time to be the initial bona fide offering; and</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>File a post-effective amendment to remove from registration any of the securities that
remain unsold at the end of the offering.</TD>
</TR>

</TABLE>

<P align="left" style="font-size: 10pt">Insofar as indemnification for liabilities arising under the Securities Act may be permitted to
directors, officers and controlling persons of the Company pursuant to the foregoing provisions, or
otherwise, the Company has been advised that, in the opinion of the Commission, such
indemnification is against public policy as expressed in the Securities Act and is, therefore,
unenforceable. In the event that a claim for indemnification against these liabilities (other than
our payment of expenses incurred or paid by one of the Company&#146;s directors, officers, or
controlling persons in the successful defense of any action, suit, or proceeding) is asserted by
the director, officer, or controlling person in connection with the securities being registered,
the Company will, unless in the opinion of the Company&#146;s counsel the matter has been settled by
controlling precedent, submit to a court of appropriate jurisdiction the question whether the
indemnification by the Company is against public policy as expressed in the Securities Act and will
be governed by the final adjudication of such issue.



<P align="center" style="font-size: 10pt">4
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">



<!-- link1 "SIGNATURES" -->

<P align="center" style="font-size: 10pt"><B>SIGNATURES</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the Securities Act, the registrant certifies that it has
reasonable grounds to believe that it meets all of the requirements for filing on Form S-8 and has
duly caused this Registration Statement to be signed on its behalf by the undersigned, thereunto
duly authorized, in the City of Atlanta, State of Georgia on this 27th day of June, 2005.


<TABLE width="100%" border="0" cellspacing="0" cellpadding="0" style="font-size: 10pt">
<TR>
    <TD width="48%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="35%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
</TR>
<TR>
    <TD valign="top" align="left">&nbsp;</TD>
    <TD colspan="3" align="left"><B>ebank Financial Services, Inc.</B><BR>
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD valign="top">By:&nbsp;&nbsp;</TD>
    <TD colspan="2" style="border-bottom: 1px solid #000000" align="left">/s/ James L. Box
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left">James L. Box, Chief Executive Officer&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
</TABLE>

<P align="center" style="font-size: 10pt"><B>POWER OF ATTORNEY</B>


<P align="left" style="font-size: 10pt">KNOW ALL MEN BY THESE PRESENTS, that each person whose signature appears below constitutes and
appoints James L. Box and Wayne W. Byers, and each of them, for himself in name, place and stead,
in any and all capacities, as his true and lawful attorney-in-fact and agent, with full power of
substitution and resubstitution, to sign any and all amendments to this Registration Statement, and
to file the same with all exhibits thereto, and other documents in connection therewith, with the
Securities and Exchange Commission, granting unto the attorney-in-fact and agent full power and
authority to do and perform each and every act and thing requisite and necessary to be done in and
about the premises, as fully to all intents and purposes as he might or could do in person, hereby
ratifying and confirming all that the attorney-in-fact and agent, or his substitute or substitutes,
may lawfully do or cause to be done by virtue hereof.


<P align="left" style="font-size: 10pt">Pursuant to the requirements of the Securities Act, this registration statement has been
signed by the following persons, in the capacities indicated, on the dates noted below.


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="32%">&nbsp;</TD>
    <TD width="8%">&nbsp;</TD>
    <TD width="42%">&nbsp;</TD>
    <TD width="8%">&nbsp;</TD>
    <TD width="10%">&nbsp;</TD>
</TR>
<TR style="font-size: 10pt" valign="bottom">
    <TD nowrap align="center" style="border-bottom: 1px solid #000000;"><B>Signature</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" style="border-bottom: 1px solid #000000"><B>Title</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" style="border-bottom: 1px solid #000000"><B>Date</B></TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">/s/ James L. Box
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Director and
Chief Executive Officer
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">June&nbsp;27, 2005</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top" style="border-top: 1px solid #000000"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">James L. Box</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">/s/ Gary M. Bremer
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">June&nbsp;27, 2005</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top" style="border-top: 1px solid #000000"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Gary M. Bremer</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">June&nbsp;27, 2005</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top" style="border-top: 1px solid #000000"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Greg Corona</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">/s/ Walter Drakeford
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">June&nbsp;27, 2005</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top" style="border-top: 1px solid #000000"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Walter Drakeford</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">June&nbsp;27, 2005</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top" style="border-top: 1px solid #000000"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Terry L. Ferrero</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">/s/ Richard D. Jackson
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">June&nbsp;27, 2005</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top" style="border-top: 1px solid #000000"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Richard D. Jackson</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">June&nbsp;27, 2005</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top" style="border-top: 1px solid #000000"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Kevin Link</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">/s/ Don Stout
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">June&nbsp;27, 2005</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top" style="border-top: 1px solid #000000"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Don Stout</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">/s/ Wayne W. Byers
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Chief Financial Officer
and Principal Accounting Officer
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">June&nbsp;27, 2005</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top" style="border-top: 1px solid #000000"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Wayne W. Byers</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt">5
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<!-- link1 "EXHIBIT INDEX" -->

<P align="center" style="font-size: 10pt"><B>EXHIBIT INDEX<br>&nbsp;</B>


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="7%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="89%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px"><B>Exhibit&nbsp;No.</B>
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>Description</B></TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top" style="border-top: 1px solid #000000"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">4.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Articles of Incorporation (Incorporated by reference to Exhibit&nbsp;3.1 to the Company&#146;s
Registration Statement on Form&nbsp;SB-2 filed on December&nbsp;5, 1997, File No.&nbsp;333-41545.)</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">4.2
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Articles of Amendment to the Articles of Incorporation (Incorporated by reference to Exhibit
3.1.1 to the Company&#146;s Form&nbsp;8&#8209;K filed on April&nbsp;23, 1999, File No.&nbsp;000-24043.)</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">4.3
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Articles of Amendment to the Articles of Incorporation (Incorporated by reference to Exhibit
3.1 to the Company&#146;s Form&nbsp;10&#8209;KSB filed on April&nbsp;2, 2001, File No.&nbsp;000-24043.)</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">4.4
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Articles of Amendment to the Articles of Incorporation (Incorporated by reference to Exhibit
3.1 to the Company&#146;s Registration Statement on Form&nbsp;SB-2 filed on August&nbsp;3, 2001, File No.
333-66704.)</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">4.5
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Articles of Amendment to the Articles of Incorporation effective December&nbsp;21, 2001
(Incorporated by reference to Exhibit&nbsp;3.5 to the Company&#146;s Form&nbsp;10-KSB filed on March&nbsp;29,
2002, File No.&nbsp;000-24043.)</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">4.6
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Articles of Amendment to the Articles of Incorporation effective December&nbsp;28, 2001
(Incorporated by reference to Exhibit&nbsp;3.6 to the Company&#146;s Form&nbsp;10-KSB filed on March&nbsp;29,
2002, File No.&nbsp;000-24043.)</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">4.7
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Articles of Amendment to the Articles of Incorporation effective January&nbsp;1, 2003
(Incorporated by reference to Exhibit&nbsp;3.7 to the Company&#146;s Form&nbsp;10-KSB filed on March&nbsp;31,
2003, File No.&nbsp;000-24043.)</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">4.8
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Articles of Amendment to the Articles of Incorporation effective June&nbsp;2, 2004 (Incorporated
by reference to Exhibit&nbsp;3.3 to the Company&#146;s Form&nbsp;10-QSB filed on August&nbsp;12, 2004, File No.
000-24043.)</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">4.9
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Bylaws (Incorporated by reference to Exhibit&nbsp;3.2 to the Company&#146;s Registration Statement on
Form&nbsp;SB-2 filed on December&nbsp;5, 1997, File No.&nbsp;333-41545.)</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">4.10
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Specimen Common Stock Certificate (Incorporated by reference to Exhibit&nbsp;4.2 to the Company&#146;s
Registration Statement on Form&nbsp;SB-2 filed on December&nbsp;5, 1997, File No.&nbsp;333-41545.)</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">4.11
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">ebank.com, Inc. 1998 Stock Incentive Plan (Incorporated by reference to Exhibit&nbsp;4.3 to the
Company&#146;s Form&nbsp;S-8 filed on October&nbsp;5, 1999.)</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">4.12
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Amendment to the 1998 Stock Incentive Plan (Incorporated by reference to Exhibit&nbsp;4.4 to the
Company&#146;s Form&nbsp;10-KSB filed on April&nbsp;12, 2000, File No.&nbsp;000-24043.)</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">4.13
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Amendment to 1998 Stock Incentive Plan (Incorporated by reference to Exhibit&nbsp;10.1 to the
Company&#146;s Form&nbsp;8-K filed on May&nbsp;31, 2005, File No.&nbsp;000-24043.)</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">5.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Opinion of Shumacker Witt Gaither &#038; Whitaker, P.C.</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">23.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Consent of Shumacker Witt Gaither &#038; Whitaker, P.C. (contained in their opinion incorporated
by reference to Exhibit&nbsp;5.1)</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">23.2
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Consent of Porter Keadle Moore, LLP.</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">24.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Powers of Attorney of certain officers and directors of the company (included on signature
page of this Registration Statement)</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>



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</DIV>

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{"company-data": {"conformed-name": "EBANK FINANCIAL SERVICES INC", "cik": "0001050725", "assigned-sic": "6021", "irs-number": "582349097", "state-of-incorporation": "GA", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "S-8", "act": "33", "file-number": "333-126266", "film-number": "05927740"}, "business-address": {"street1": "2410 PACES FERRY ROAD", "street2": "SUITE 400", "city": "ATLANTA", "state": "GA", "zip": "30339", "phone": "770-863-9225"}, "mail-address": {"street1": "2410 PACES FERRY ROAD", "street2": "SUITE 190", "city": "ATLANTA", "state": "GA", "zip": "30339"}, "former-company": [{"former-conformed-name": "EBANK COM INC", "date-changed": "19990423"}, {"former-conformed-name": "SOUTHEAST COMMERCE HOLDING CO", "date-changed": "19971203"}]}
EBANK FINANCIAL SERVICES, INC.
As filed with the Securities and Exchange Commission on June 30, 2005
Registration No. 333-
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM S-8
REGISTRATION STATEMENT
UNDER
THE SECURITIES ACT OF 1933
ebank Financial Services, Inc.
(Exact name of Registrant as specified in its charter)
GEORGIA
(State or other jurisdiction of
incorporation or organization)
58-2349097
(I.R.S. Employer
Identification No.)
2410 Paces Ferry Road, Suite 190
Atlanta, Georgia 30339
(770) 863-9225
(Address, including zip code, and telephone number, including area code, of Registrant's principal executive offices)
ebank.com, Inc. 1998 Stock Incentive Plan
(Full title of the Plan)
James L. Box
Chief Executive Officer
ebank Financial Services, Inc.
2410 Paces Ferry Road, Suite 190
Atlanta, Georgia 30339
(770) 863-9225
(Name, address, including zip code, and telephone number, including area code, of agent for service)
Copy Requested to:
J. Matthew Martin, Esq.
Shumacker Witt Gaither & Whitaker, P.C.
1100 SunTrust Bank Building
736 Market Street
Chattanooga, Tennessee 37402
(423) 425-7000
CALCULATION OF REGISTRATION FEE
Proposed
Proposed
maximum
Maximum
Title of each class of
Amount to
offering price
Aggregate
Amount of
Securities to be registered
be registered(1)
per unit(2)
Offering price(2)
registration fee(3)
Common Stock, $0.01 par value per share
420,000 shares
$0.99
$415,800
$48.94
(1)
Represents additional shares of ebank Financial Services, Inc. Common Stock authorized
for issuance under the ebank.com, Inc. 1998 Stock Incentive Plan, as amended by an amendment
approved by the Company's shareholders at the 2005 Annual Meeting of Shareholders on May 16,
2005 (the "Plan"). Also registered hereunder are such additional number of shares of Common
Stock, presently indeterminable, as may be necessary to satisfy the antidilution provisions of
the Plan to which this Registration Statement relates.
(2)
In accordance with Securities Act Rules 457(c) and 457(h), the aggregate offering price and
the amount of the registration fee are computed based on the average of the bid and ask prices
reported for the Common Stock on June 24, 2005, as quoted on the OTC Bulletin Board.
(3)
Pursuant to Instruction E. to the General Instructions to Form S-8, no filing fee with
respect to the 230,000 shares of Common Stock previously registered on Form S-8 (File No.
333-88461) is required. Accordingly, the fee being paid herewith pertains to the additional
420,000 shares of Common Stock.
INCORPORATION OF CONTENTS OF PRIOR REGISTRATION STATEMENT
AND
EXPLANATORY NOTE
ebank Financial Services, Inc. (the "Company") is filing this Registration Statement on Form
S-8 pursuant to General Instruction E to Form S-8 to register 420,000 additional shares of the
Company's Common Stock, par value $.01 per share, authorized for issuance pursuant to outstanding
options or future awards granted under the ebank.com, Inc. 1998 Stock Incentive Plan, as amended
(the "Plan"). Such shares are in addition to those previously registered on the Company's
Registration Statement on Form S-8 (File No. 333-88461) filed with the Securities and Exchange
Commission (the "Commission") on October 5, 1999 in connection with such Plan. The Company
incorporates herein by reference the contents of such previously filed Registration Statement.
PART I
INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS
In accordance with the Note to Part I of Form S-8, the information specified by Part I has
been omitted from this Registration Statement.
PART II
INFORMATION REQUIRED IN THE REGISTRATION STATEMENT
Item 3. Incorporation of Documents by Reference.
The following documents have been filed by the Company with the Commission under the
Securities Exchange Act of 1934, as amended (the "Exchange Act"), and are incorporated herein by
reference:
a.
The Company's Annual Report on Form 10-KSB for the fiscal year ended December
31, 2004, filed with the Commission on March 29, 2005 (File No. 000-24043);
b.
The Company's Quarterly Report on Form 10-QSB for the fiscal quarter ended
March 31, 2005, filed with the Commission on May 16, 2005 (File No. 000-24043);
c.
The Company's Current Reports on Form 8-K, filed with the Commission on January
3, 2005 (File No. 000-24043), April 1, 2005 (File No. 000-24043), May 17, 2005 (File
No. 000-24043); and May 31, 2005 (File No. 000-24043); and
d.
The description of the Company's Common Stock contained in the Company's
Registration Statement filed under the Exchange Act on Form 8-A, dated April 17, 1998,
as updated by the description of the Company's Common Stock contained in the Prospectus
dated April 15, 2004, that forms a part of the Company's Registration Statement on Form
SB-2 (File No. 333-110819) filed under the Securities Act of 1933 (the "Securities
Act") and any amendment or report filed for the purpose of further updating such
description.
All documents subsequently filed by the Company pursuant to Sections 13(a), 13(c), 14 or 15(d)
of the Exchange Act, prior to the filing of a post-effective amendment indicating that all
securities offered hereby have been sold or which deregisters all securities then remaining unsold,
shall by deemed to be incorporated by reference into this Registration Statement and to be a part
hereof from the date of filing of such documents. Any statement contained herein or in a document,
all or a portion of which is incorporated or deemed to be incorporated by reference herein, shall
be deemed to be modified or superseded for purposes of this Registration Statement to the extent
that a statement contained herein or in any other subsequently filed document which also is or is
deemed to be incorporated by reference herein modifies or supersedes such statement. Any such
statement so modified or superseded shall not be deemed, except as so modified or amended, to
constitute part of this Registration Statement.
2
Item 4. Description of Securities.
Not applicable.
Item 5. Interests of Named Experts and Counsel.
Not applicable.
Item 6. Indemnification of Directors and Officers.
The Georgia Business Corporation Code permits a corporation to eliminate or limit the personal
liability of a director to the corporation or its shareholders for monetary damages for any breach
of duty of care or other duty as a director, provided that no provision shall eliminate or limit
the liability of a director for:
•
an appropriation, in violation of his duties, of any business opportunity of the corporation;
•
acts or omissions which involve intentional misconduct or a knowing violation of law;
•
unlawful corporate distributions; or
•
any transaction from which the director received an improper personal benefit.
The Georgia Code permits a corporation to indemnify officers to the same extent as directors. Our
articles of incorporation exonerate our directors from monetary liability to the extent described
above, and our bylaws provide the same limitation of liability to our officers.
In addition to these rights provided by law, our articles of incorporation and our bylaws
provide broad indemnification rights to our directors and the officers, employees, and agents
designated by our directors, with respect to various civil and criminal liabilities and losses
which may be incurred by the director, officer, agent, or employee under any pending or threatened
litigation or other proceedings, except that this indemnification does not apply in the same
situations described above with respect to the exculpation from liability of our directors. We are
also obligated to reimburse directors and other parties for expenses, including legal fees, court
costs and expert witness fees, incurred by the person in defending against any liabilities and
losses, as long as the person in good faith believes that he or she acted in accordance with the
applicable standard of conduct with respect to the underlying accusations giving rise to such
liabilities or losses and agrees to repay to us any advances made if it is ultimately determined
that the person is not entitled to indemnification by us. Any amendment or other modification to
the applicable law, our articles of incorporation, or our bylaws as currently provided which limits
or otherwise adversely affects the rights to indemnification will apply only to proceedings based
upon actions and events occurring after such amendment and, in the case of amendments to our
articles or bylaws, delivery of notice thereof to the indemnified parties.
We hold an insurance policy covering directors and officers under which the insurer agrees to
pay, subject to certain exclusions, for any claim made against our directors and officers for a
wrongful act that they may become legally obligated to pay or for which we are required to
indemnify the directors or officers.
Item 7. Exemption from Registration Claimed.
Not applicable.
Item 8. Exhibits.
The Exhibit Index attached to this Registration Statement is incorporated herein by reference.
3
Item 9. Undertakings.
The Company hereby undertakes that it will:
(a)
File, during any period in which it offers or sells securities, a post-effective
amendment to this registration statement to:
(i)
Include any prospectus supplement required by Section 10(a)(3) of the
Securities Act;
(ii)
Reflect in the prospectus any facts or events which, taken individually
or together, represent a fundamental change in the information in the Registration
Statement. Notwithstanding the foregoing, any increase or decrease in the volume
of securities offered (if the total dollar value of securities offered would not
exceed that which was registered) and any deviation from the low or high end of the
estimated maximum offering range may be reflected in the form of prospectus filed
with the Commission pursuant to Rule 424(b) if, in the aggregate, the changes in
volume and price represent no more than a 20 percent change in the maximum
aggregate offering price set forth in the "Calculation of Registration Fee" table
in the effective Registration Statement;
(iii)
Include any additional or changed material information on the plan of
distribution;
provided, however, that the undertakings set forth in paragraphs (i) and (ii) above do
not apply if the information required to be included in a post-effective amendment by
those paragraphs is contained in periodic reports filed with the Commission by the
Company pursuant to the Exchange Act that are incorporated by reference in this
Registration Statement;
(b)
For determining liability under the Securities Act, treat each such post-effective
amendment as a new registration statement of the securities offered, and the offering of
the securities at that time to be the initial bona fide offering; and
(c)
File a post-effective amendment to remove from registration any of the securities that
remain unsold at the end of the offering.
Insofar as indemnification for liabilities arising under the Securities Act may be permitted to
directors, officers and controlling persons of the Company pursuant to the foregoing provisions, or
otherwise, the Company has been advised that, in the opinion of the Commission, such
indemnification is against public policy as expressed in the Securities Act and is, therefore,
unenforceable. In the event that a claim for indemnification against these liabilities (other than
our payment of expenses incurred or paid by one of the Company's directors, officers, or
controlling persons in the successful defense of any action, suit, or proceeding) is asserted by
the director, officer, or controlling person in connection with the securities being registered,
the Company will, unless in the opinion of the Company's counsel the matter has been settled by
controlling precedent, submit to a court of appropriate jurisdiction the question whether the
indemnification by the Company is against public policy as expressed in the Securities Act and will
be governed by the final adjudication of such issue.
4
SIGNATURES
Pursuant to the requirements of the Securities Act, the registrant certifies that it has
reasonable grounds to believe that it meets all of the requirements for filing on Form S-8 and has
duly caused this Registration Statement to be signed on its behalf by the undersigned, thereunto
duly authorized, in the City of Atlanta, State of Georgia on this 27th day of June, 2005.
ebank Financial Services, Inc.
By:
/s/ James L. Box
James L. Box, Chief Executive Officer
POWER OF ATTORNEY
KNOW ALL MEN BY THESE PRESENTS, that each person whose signature appears below constitutes and
appoints James L. Box and Wayne W. Byers, and each of them, for himself in name, place and stead,
in any and all capacities, as his true and lawful attorney-in-fact and agent, with full power of
substitution and resubstitution, to sign any and all amendments to this Registration Statement, and
to file the same with all exhibits thereto, and other documents in connection therewith, with the
Securities and Exchange Commission, granting unto the attorney-in-fact and agent full power and
authority to do and perform each and every act and thing requisite and necessary to be done in and
about the premises, as fully to all intents and purposes as he might or could do in person, hereby
ratifying and confirming all that the attorney-in-fact and agent, or his substitute or substitutes,
may lawfully do or cause to be done by virtue hereof.
Pursuant to the requirements of the Securities Act, this registration statement has been
signed by the following persons, in the capacities indicated, on the dates noted below.
Signature
Title
Date
/s/ James L. Box
Director and
Chief Executive Officer
June 27, 2005
James L. Box
/s/ Gary M. Bremer
Director
June 27, 2005
Gary M. Bremer
Director
June 27, 2005
Greg Corona
/s/ Walter Drakeford
Director
June 27, 2005
Walter Drakeford
Director
June 27, 2005
Terry L. Ferrero
/s/ Richard D. Jackson
Director
June 27, 2005
Richard D. Jackson
Director
June 27, 2005
Kevin Link
/s/ Don Stout
Director
June 27, 2005
Don Stout
/s/ Wayne W. Byers
Chief Financial Officer
and Principal Accounting Officer
June 27, 2005
Wayne W. Byers
5
EXHIBIT INDEX
Exhibit No.
Description
4.1
Articles of Incorporation (Incorporated by reference to Exhibit 3.1 to the Company's
Registration Statement on Form SB-2 filed on December 5, 1997, File No. 333-41545.)
4.2
Articles of Amendment to the Articles of Incorporation (Incorporated by reference to Exhibit
3.1.1 to the Company's Form 8‑K filed on April 23, 1999, File No. 000-24043.)
4.3
Articles of Amendment to the Articles of Incorporation (Incorporated by reference to Exhibit
3.1 to the Company's Form 10‑KSB filed on April 2, 2001, File No. 000-24043.)
4.4
Articles of Amendment to the Articles of Incorporation (Incorporated by reference to Exhibit
3.1 to the Company's Registration Statement on Form SB-2 filed on August 3, 2001, File No.
333-66704.)
4.5
Articles of Amendment to the Articles of Incorporation effective December 21, 2001
(Incorporated by reference to Exhibit 3.5 to the Company's Form 10-KSB filed on March 29,
2002, File No. 000-24043.)
4.6
Articles of Amendment to the Articles of Incorporation effective December 28, 2001
(Incorporated by reference to Exhibit 3.6 to the Company's Form 10-KSB filed on March 29,
2002, File No. 000-24043.)
4.7
Articles of Amendment to the Articles of Incorporation effective January 1, 2003
(Incorporated by reference to Exhibit 3.7 to the Company's Form 10-KSB filed on March 31,
2003, File No. 000-24043.)
4.8
Articles of Amendment to the Articles of Incorporation effective June 2, 2004 (Incorporated
by reference to Exhibit 3.3 to the Company's Form 10-QSB filed on August 12, 2004, File No.
000-24043.)
4.9
Bylaws (Incorporated by reference to Exhibit 3.2 to the Company's Registration Statement on
Form SB-2 filed on December 5, 1997, File No. 333-41545.)
4.10
Specimen Common Stock Certificate (Incorporated by reference to Exhibit 4.2 to the Company's
Registration Statement on Form SB-2 filed on December 5, 1997, File No. 333-41545.)
4.11
ebank.com, Inc. 1998 Stock Incentive Plan (Incorporated by reference to Exhibit 4.3 to the
Company's Form S-8 filed on October 5, 1999.)
4.12
Amendment to the 1998 Stock Incentive Plan (Incorporated by reference to Exhibit 4.4 to the
Company's Form 10-KSB filed on April 12, 2000, File No. 000-24043.)
4.13
Amendment to 1998 Stock Incentive Plan (Incorporated by reference to Exhibit 10.1 to the
Company's Form 8-K filed on May 31, 2005, File No. 000-24043.)
5.1
Opinion of Shumacker Witt Gaither & Whitaker, P.C.
23.1
Consent of Shumacker Witt Gaither & Whitaker, P.C. (contained in their opinion incorporated
by reference to Exhibit 5.1)
23.2
Consent of Porter Keadle Moore, LLP.
24.1
Powers of Attorney of certain officers and directors of the company (included on signature
page of this Registration Statement)