Details for NOTICE The following group of existing shareholders - Moi M.

NOTICE

The following group of existing shareholders - Moi M. Monroe and Ida M. Monroe Trust (Moi M Monroe III, Waycross, GA, William Joseph Monroe, Jr., Savannah, GA, Hannah Hopkins Franklin, Knoxville, TN, Synovus Bank--Columbus Georgia, trustees), Moi M. Monroe III, Waycross, GA, Martha M Veon, Muskatine, IA, Cheryl B Monroe, Waycross, GA, Ann M Hammond, Atlanta, GA, Ellen Monroe Colberg, Mount Holly, NC, Emily Monroe Pridgen, Rincon, GA, The William & Elizabeth Hickam Living Trust (William Hickam, Centennial, CO and Elizabeth Hickam, Centennial, CO, trustees), Elizabeth Monroe Grantham, Nicholls, GA, Mr. and Mrs. David Bolton, Snellville, GA, Walter Hopkins, Amelia Island, FL, Carolyn Hopkins, Amelia Island, FL, Mary Hopkins Bailey, Knoxville, TN, William Joseph Monroe, Jr., Savannah, GA, Patricia M. Monroe, Waycross, GA, Mary Helen Monroe, Fernandina Beach, FL, Patricia Monroe Fievet, High Point, NC, Ivy S Monroe, Savannah, GA, Caroline Jordan Monroe, Savannah, GA, William Joseph Monroe, III, Savannah, GA, J E Stewart Jr, Waycross, GA, Edwina J Stewart, Waycross, GA, J E Stewart III, Waycross, GA, James E Stewart IV, Waycross, GA, John T Stewart, Waycross, GA, Joseph Cook Stewart, Waycross, GA, Amy Fletcher, Waycross, GA, Mary Stewart Weir, Waycross, GA, Sara Stewart Cotton, Atlanta, GA, Steven Collins Cotton Jr, Atlanta, GA, Claire Morgan Cotton, Atlanta, GA, Sam G Stewart, Waycross, GA, Samuel Gaskin Stewart Jr., Waycross, GA, Caroline Devane Stewart, Waycross, GA, Deen J Stewart, Waycross, GA, Deen Jordan Stewart Jr., Waycross, GA, and Courtney Nicole Stewart, Waycross, GA, - intend to apply to the Federal Reserve Board for permission to acquire as a group 10 percent or more of the shares via a new stock purchase of WB&T Bankshares, Inc., Waycross, Ware County, Georgia. WB&T Bankshares, Inc. owns 100% of Waycross Bank & Trust in Waycross, Ware County Georgia, Guardian Bank in Valdosta, Lowndes County, Georgia, and South Coast Bank & Trust in Brunswick, Glynn County, Georgia. The Federal Reserve considers a number of factors in deciding whether to approve the notice.

You are invited to submit comments in writing on this notice to the Federal Reserve Bank of Atlanta, 1000 Peachtree Street N.E., Atlanta, Georgia 30309-4470. The comment period will not end before December 26, 2016, and may be somewhat longer. The Board's procedures for processing applications may be found at 12 C.F.R. Part 262.25. To obtain a copy of the Federal Reserve Board's procedures, or if you need more information about how to submit your comments on the notice, contact Chapelle Davis, Assistant Vice President, at (404) 498-7278. The Federal Reserve will consider your comments and any request for a public meeting or formal hearing on the notice if they are received in writing by the Reserve Bank on or before the last day of the comment period.

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