ABC Bancorp (ABC) is a bank holding company. ABC provides, through its commercial bank subsidiaries (the Banks), banking services to individuals and businesses in southern Georgia, southeastern Alabama and northern Florida. The Banks provide retail and commercial banking services to its customers, including checking, savings, negotiable order of withdrawal (NOW) and money market accounts and time deposits of various types; loans for business, agriculture, real estate, personal uses, home improvement and automobiles, credit cards; debit cards; overdraft protection services; Internet banking; letters of credit; trust services through Reliance Trust Company; brokerage services through either PFIC Securities Corporation or Raymond James Financial Services, Inc.; fixed-rate annuities through PFIC Corporation; individual retirement accounts (IRAs); safe deposit box rentals; bank money orders, and electronic funds transfers, including wire transfers and automated teller machines (ATMs).