X0201 4 2003-09-10 0 0000754597 HABERSHAM BANCORP HABC 0000938639 STOVALL DAVID D 365 GRAND AVE. CORNELIA X1 30531 1 1 0 0 President/CEO Common 2003-09-10 4 M 0 12000 14.25 A 124744 D Common 2003-09-10 4 F 0 7434 23.00 D 117307 D E.S.O. 14.25 2003-09-10 4 M 0 12000 14.25 D 1998-12-31 2003-12-31 Common 12000 59053 D David D. Stovall 2003-09-11