content: UNITED STATES
  
                         SECURITIES AND EXCHANGE COMMISSION
                               Washington, D. C. 20549
                                      FORM 8-K
  
                                   CURRENT REPORT
  
  Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
  
  Date of Report:  (Date of earliest event reported) August 15, 1997
  
  -------------------------------------------------------------------------------
                                  FNC BANCORP, INC.
  -------------------------------------------------------------------------------
  
        Georgia                      33-37078                       58-1910615
  -------------------------------------------------------------------------------
  -------------------------------------------------------------------------------
   (State or other jurisdiction    (Commission                   (IRS Employer
         of incorporation)          File Number)            Identification Number)
  
  
                    420 S. Madison Avenue, Douglas, Georgia 31533
  -------------------------------------------------------------------------------
  -------------------------------------------------------------------------------
                      (Address of principal executive offices)
  
  Registrant's telephone number:  (912) 384-1100
  
  ITEM 4.    Changes in Registrant's Certifying Accountant.
  
             On August 15,  1997,  the  Company's  Board of  Directors  elected to
  dismiss Stewart,  Fowler & Stalvey,  P.C. as the Company's independent auditors.
  That same day, the Company  engaged Mauldin & Jenkins,  LLC to replace  Stewart,
  Fowler & Stalvey,  P.C.  Pursuant  to Item 304 of  Regulation  S-B,  the Company
  discloses the following information:
  
  1.     Stewart, Fowler & Stalvey, P.C. was dismissed on August 15, 1997.
  
  2.     The report prepared by Stewart,  Fowler & Stalvey,  P.C. on the financial
         statements for the fiscal years ending December 31, 1996 and 1995 did not
         contain an adverse  opinion or disclaimer of opinion,  nor was the report
         modified as to audit scope or accounting principles.
  
  3.     The decision to dismiss Stewart,  Fowler & Stalvey, P.C. was recommended
         and approved by the Board of Directors.
  
  4.     There were no disagreements with Stewart,  Fowler & Stalvey,  P.C. on any
         matter  of  accounting  principles  or  practices,   financial  statement
         disclosure,  auditing  scope or procedure  or any other matter  requiring
         disclosure pursuant to Item 304 of Regulation S-B.
  
       The Company provided Stewart,  Fowler & Stalvey,  P. C. with a copy of this
  disclosure  and  requested it to furnish a letter  addressed  to the  Commission
  within ten business  days  stating  whether it agrees with the  statements  made
  herein. A copy of this letter prepared by Stewart,  Fowler & Stalvey, P. C. will
  be filed upon receipt.
  
  
  
  <PAGE>
  
  
  
                                     SIGNATURES
  
             Pursuant to the requirements of the Securities  Exchange Act of 1934,
  Corporation  has duly  caused  this  report to be  signed  on its  behalf of the
  undersigned hereunto duly authorized.
  
             This 18th day of August 1997.
  
  
                                                            FNC BANCORP, INC.
  
  
  
                                         By:
                                                                  President
metadata_documents: [{"type": "8-K", "sequence": "1", "description": "CURRENT REPORT", "secsgml_size_bytes": 3378}]
metadata_filer: {"company-data": {"conformed-name": "FNC BANCORP INC", "cik": "0000868573", "assigned-sic": "6021", "irs-number": "581910615", "state-of-incorporation": "GA", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "033-37078", "film-number": "97668126"}, "business-address": {"street1": "420 S MADISON AVE", "street2": "PO BOX 1699", "city": "DOUGLAS", "state": "GA", "zip": "31533", "phone": "9123841100"}, "mail-address": {"street1": "420 S MADISON AVENUE", "street2": "PO BOX 1699", "city": "DOUGLAS", "state": "GA", "zip": "31533"}}
text: UNITED STATES
  
                         SECURITIES AND EXCHANGE COMMISSION
                               Washington, D. C. 20549
                                      FORM 8-K
  
                                   CURRENT REPORT
  
  Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
  
  Date of Report:  (Date of earliest event reported) August 15, 1997
  
  -------------------------------------------------------------------------------
                                  FNC BANCORP, INC.
  -------------------------------------------------------------------------------
  
        Georgia                      33-37078                       58-1910615
  -------------------------------------------------------------------------------
  -------------------------------------------------------------------------------
   (State or other jurisdiction    (Commission                   (IRS Employer
         of incorporation)          File Number)            Identification Number)
  
                    420 S. Madison Avenue, Douglas, Georgia 31533
  -------------------------------------------------------------------------------
  -------------------------------------------------------------------------------
                      (Address of principal executive offices)
  
  Registrant's telephone number:  (912) 384-1100
  
  ITEM 4.    Changes in Registrant's Certifying Accountant.
  
             On August 15,  1997,  the  Company's  Board of  Directors  elected to
  dismiss Stewart,  Fowler & Stalvey,  P.C. as the Company's independent auditors.
  That same day, the Company  engaged Mauldin & Jenkins,  LLC to replace  Stewart,
  Fowler & Stalvey,  P.C.  Pursuant  to Item 304 of  Regulation  S-B,  the Company
  discloses the following information:
  
  1.     Stewart, Fowler & Stalvey, P.C. was dismissed on August 15, 1997.
  
  2.     The report prepared by Stewart,  Fowler & Stalvey,  P.C. on the financial
         statements for the fiscal years ending December 31, 1996 and 1995 did not
         contain an adverse  opinion or disclaimer of opinion,  nor was the report
         modified as to audit scope or accounting principles.
  
  3.     The decision to dismiss Stewart,  Fowler & Stalvey, P.C. was recommended
         and approved by the Board of Directors.
  
  4.     There were no disagreements with Stewart,  Fowler & Stalvey,  P.C. on any
         matter  of  accounting  principles  or  practices,   financial  statement
         disclosure,  auditing  scope or procedure  or any other matter  requiring
         disclosure pursuant to Item 304 of Regulation S-B.
  
       The Company provided Stewart,  Fowler & Stalvey,  P. C. with a copy of this
  disclosure  and  requested it to furnish a letter  addressed  to the  Commission
  within ten business  days  stating  whether it agrees with the  statements  made
  herein. A copy of this letter prepared by Stewart,  Fowler & Stalvey, P. C. will
  be filed upon receipt.
  SIGNATURES
  
             Pursuant to the requirements of the Securities  Exchange Act of 1934,
  Corporation  has duly  caused  this  report to be  signed  on its  behalf of the
  undersigned hereunto duly authorized.
  
             This 18th day of August 1997.
  
                                                            FNC BANCORP, INC.
  
                                         By:
                                                                  President