X0201 42003-09-23 0001061068 GB&T BANCSHARES INC GBTB 0001189258 HEWETT BENNIE E 524 BRADFORD STREET GAINESVILLE GA 30501 1000Common Stock85ICitizens ReinsuranceCommon Stock9500ILife of GA Credit ReinsuranceCommon Stock20419ICitizens Family PartnershipCommon Stock2350IIRA - Smith BarneyCommon Stock6425IIRA - AG EdwardsCommon Stock315DGB&T Bancshares Stock Option Agreement10.8010.801997-09-302007-09-30GB&T Common Stock62506250DRe-state number of shares owned based on percentage of stock ownership of the limited partnerships.Bennie E. Hewett2003-09-24