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<B><FONT SIZE=2><P ALIGN="CENTER">United States</P>
<P ALIGN="CENTER">Securities and Exchange Commission</P>
<P ALIGN="CENTER">Washington, D.C</P>
<P ALIGN="CENTER"></P>
</B><P ALIGN="CENTER">FORM 8-K</P>
<P ALIGN="CENTER"></P>
<P ALIGN="CENTER">Current Report</P>
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<P ALIGN="CENTER">Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</P>
<P ALIGN="CENTER"></P>
<P ALIGN="CENTER">Date of Report (Date of earliest event reported) <U>October 31, 2002</P>
</U><P ALIGN="CENTER"></P>
<B><U><P ALIGN="CENTER">FIRST GEORGIA HOLDING, INC.</P>
</B></U><P ALIGN="CENTER">(Exact name of registrant as specified in its charter)</P>
<P ALIGN="CENTER"></P>
<U><P ALIGN="CENTER">Georgia</P>
</U><P ALIGN="CENTER">(Name or other jurisdiction of incorporation)</P>
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<U><FONT SIZE=2><P ALIGN="CENTER">Georgia</U></FONT></TD>
<TD WIDTH="31%" VALIGN="TOP">
<U><FONT SIZE=2><P ALIGN="CENTER">0-16657</U></FONT></TD>
<TD WIDTH="34%" VALIGN="TOP">
<U><FONT SIZE=2><P ALIGN="CENTER">58-1781773</U></FONT></TD>
</TR>
<TR><TD WIDTH="35%" VALIGN="TOP">
<FONT SIZE=2><P ALIGN="CENTER">(State or other jurisdiction of incorporation)</FONT></TD>
<TD WIDTH="31%" VALIGN="TOP">
<FONT SIZE=2><P ALIGN="CENTER">(Commission File Number)</FONT></TD>
<TD WIDTH="34%" VALIGN="TOP">
<FONT SIZE=2><P ALIGN="CENTER">(IRS Employer Identification Number)</FONT></TD>
</TR>
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<P ALIGN="CENTER"><CENTER><TABLE BORDER CELLSPACING=1 CELLPADDING=7 WIDTH=456>
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<U><FONT SIZE=2><P ALIGN="CENTER">1703 Gloucester Street, Brunswick, GA</U></FONT></TD>
<TD WIDTH="50%" VALIGN="TOP">
<U><FONT SIZE=2><P ALIGN="CENTER">31521</U></FONT></TD>
</TR>
<TR><TD WIDTH="50%" VALIGN="TOP">
<FONT SIZE=2><P ALIGN="CENTER">(Address of principal executive offices)</FONT></TD>
<TD WIDTH="50%" VALIGN="TOP">
<FONT SIZE=2><P ALIGN="CENTER">(Zip Code)</FONT></TD>
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<TR><TD WIDTH="50%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="50%" VALIGN="TOP">&nbsp;</TD>
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<FONT SIZE=2><P ALIGN="CENTER">Registrant's telephone number, including area code <U>(912) 267-7283</U></FONT></TD>
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<P ALIGN="CENTER">&nbsp;</P>
<U><P ALIGN="CENTER">Information to be included in report</P>
</U>
<P>Item 8.  Change in Fiscal Year</P>

<P>On October 21, 2002, First Georgia Holding, Inc.'s Board of Directors approved a change in the Company's fiscal year from September 30 to December 31.  The report on Form 10-KSB covering the transition period from October 1, 2002 through December 31, 2002 will be filed in accordance with the Securities and Exchange Commission filing requirements. </P>
<P ALIGN="CENTER">&nbsp;</P>
<B><U><P ALIGN="CENTER">SIGNATURE</P>
</B></U><P>Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</P>
<P>First Georgia Bank</P>
<P>By: /s/<I><U>G.F. Coolidge, III</P>
</I></U><P>          EVP, COO</P>
<P>Dated: October 31, 2002</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
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{"company-data": {"conformed-name": "FIRST GEORGIA HOLDING INC", "cik": "0000826491", "assigned-sic": "6022", "irs-number": "581781773", "state-of-incorporation": "GA", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-16657", "film-number": "02809346"}, "business-address": {"street1": "1703 GLOUCESTER ST", "city": "BRUNSWICK", "state": "GA", "zip": "31521", "phone": "9122677283"}, "mail-address": {"street1": "1703 GLOUCHESTER", "city": "BRUNSWICK", "state": "GA", "zip": "31520"}, "former-company": {"former-conformed-name": "FIRST GEORGIA HOLDING CO", "date-changed": "19940803"}}
United States
United States
Securities and Exchange Commission
Washington, D.C
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)
October 31, 2002
FIRST GEORGIA HOLDING, INC.
(Exact name of registrant as specified in its charter)
Georgia
(Name or other jurisdiction of incorporation)
Georgia
0-16657
58-1781773
(State or other jurisdiction of incorporation)
(Commission File Number)
(IRS Employer Identification Number)
1703 Gloucester Street, Brunswick, GA
31521
(Address of principal executive offices)
(Zip Code)
Registrant's telephone number, including area code
(912) 267-7283
Information to be included in report
Item 8.  Change in Fiscal Year
On October 21, 2002, First Georgia Holding, Inc.'s Board of Directors approved a change in the Company's fiscal year from September 30 to December 31.  The report on Form 10-KSB covering the transition period from October 1, 2002 through December 31, 2002 will be filed in accordance with the Securities and Exchange Commission filing requirements.
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
First Georgia Bank
By: /s/
G.F. Coolidge, III
EVP, COO
Dated: October 31, 2002