X0201 3 2004-01-21 0 0000754597 HABERSHAM BANCORP HABC 0001277442 WARD KAREN E 420 SILVERTHORNE PT. NE LAWRENCEVILLE GA 30043 0 1 0 0 Vice President Common 96 I Companny's 401-K plan employee stock options 9.69 2000-12-31 2005-12-31 common 1000 D employee stock options 16.50 2001-12-31 2006-12-31 common 2000 D employee stock options 17.82 2002-12-31 2007-12-31 common 4000 D employee stock options 24.49 2003-12-31 2008-12-31 common 6000 D Karen E. Ward 2004-01-28