Habersham Bancorp announces first quarter dividend

CORNELIA - David D. Stovall, President and Chief Executive Officer of Habersham Bancorp reported that the Board of Directors of Habersham Bancorp has declared a first quarter 2002 dividend of six cents per share. The fourth quarter dividend of 6.0 cents per share due to shareholders of record on March 1, 2002 will be paid March 15, 2002.<br> <br> Habersham Bancorp owns Habersham Bank, headquartered in Clarkesville, Georgia. It also owns BancMortgage Financial Corp, headquartered in Atlanta, Georgia, which is a subsidiary of Habersham Bank and a full service mortgage banking company; Security State Bank, headquartered in Canton, Georgia, which is a commercial banking subsidiary of Habersham Bank; and Advantage Insurers,<br> Inc., headquartered in Cornelia, Georgia, an insurance agency subsidiary of Habersham Bank.<br> <br>