X0202 5 2004-12-31 0 0 0 0000754597 HABERSHAM BANCORP HABC 0001237338 ARIAIL EDWARD D P.O. BOX 154 CLARKESVILLE GA 30523 1 1 0 0 Vice President / Corp. Sec. Common Stock 6807 I By 401-K plan Includes the acquisition of 124 shares of common stock for the benefit of the filer in the company's 401-K plan from 1/1/04 until 12/31/04. Edward D. Ariail 2005-02-08