X0202 3 2005-05-16 0 0001320002 Heritage Financial Group HBOS 0001338839 Heritage, MHC 310 WEST OGLETHORPE BOULEVARD ALBANY GA 31701 0 0 1 0 Common Stock 1000 D Shares issued by the Issuer, as required by applicable law, in connection with the mutual holding company reorganization of HeritageBank of the South in February 2002. On May 16, 2005, the Issuer's registration statement on Form SB-2 was declared effective. /s/ Tammy W. Burdette, Executive Vice President & CFO 2005-09-21