X0201 5 2003-12-31 0 0 0 0000315849 SOUTHWEST GEORGIA FINANCIAL CORP $SWGFC95 0001246319 OWENS JUDY M 0 1 0 0 Vice President Southwest Georgia Financial Corp - common stock 2004-01-26 2003-05-06 5 S 0 299 19.25 D 2240 D Southwest Georgia Financial Corp - common stock 2004-01-26 5 P 0 10 A 410 I Custodial Southwest Georgia Financial Corp - common stock 16241 I ESOP shares DRIP purchases made at various times in 2003 by transfer agent DRIP shares purchased during 2003 at various prices Judy M Owens by Geraldine Ferrone AIF 2004-01-26