X0201 4 2003-12-06 0 0000754597 HABERSHAM BANCORP HABC 0001237340 BANKS ANNETTE X1 0 1 0 0 Vice President Common 2003-12-06 4 J 0 315 0.00 A 5665 D Includes 315 shares which were received in certificate form from Ms. Banks' account in the Habersham Bancorp dividend reinvestment plan. Annette Banks 2003-12-11