X0202 5 2004-12-31 0 0 0 0000315849 SOUTHWEST GEORGIA FINANCIAL CORP sgb 0001250043 WHITTLE SUSAN T 15 OAK LANE MOULTRIE GA 31768 0 1 0 0 Sr Vice President Southwest Georgia Financial Corp 2004-12-31 5 J 0 19 A 1161 D Southwest Georgia Financial Corp 62 I ESOP shares Southwest Georgia Financial Corp 11.82 2001-10-24 2011-10-23 common stock 3300 3300 D 2004 DRIP shares added at various time during year. Filing information only. No options exercised. Susan T Whittle by Geraldine Ferrone AIF 2005-01-07