"Habersham Bank has a long history of excellence in the banking industry, dating back to 1904 when the bank was founded by three businessmen in Clarkesville, Georgia. Relationships begun during those early years carry on today, as current generations continue to do business with Habersham Bank just as their parents and grandparents have. With the formation of the parent company Habersham Bancorp in 1984, Habersham Bank became a part of a growing financial services company, and the business began to expand. Today we have eight branch offices throughout North Georgia, and we provide a full range of financial services to our customers in each branch."