"PNB Mortgage had an excellent year in 1998 and Barbara

was a big part of the success. She has consistently been the top

producer of the originators in her group," said Ron Duffey, president

and CEO of Peachtree National Bank. "We are proud of her success

and what she means to our operation. All of us at the bank want

to congratulate her on the success she's achieved and the

business she has brought to our bank."

Ralph Ferguson, senior vice president and manager of

PNB mortgage said, "I am continually impressed with Barbara's

professionalism and knowledge, and the attention she pays to each one

of her customers. Barbara is certainly an asset to the PNB

mortgage team and we are looking forward to a successful year in 1999."

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