X0201 4/A 2004-03-17 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 7665 D Total of shares were incorrectly added when originally filed on 12/6/03. Includes 315 shares which were received in certificate form from Ms. Banks' account in the Habersham Bancorp dividend reinvestment plan. Annette Banks 2004-03-17