OSBK / Oconee Financial Corporation - SEC-arkivering, Årsberetning, Fuldmagtserklæring

Oconee Financial Corporation
US ˙ OTCPK

Grundlæggende statistik
CIK 1076691
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Oconee Financial Corporation
SEC Filings (Chronological Order)
Denne side giver en komplet, kronologisk liste over SEC-arkiveringer, eksklusive ejerskabsregistreringer, som vi leverer andre steder.
May 10, 2023 EX-4.2

Marketing Materials

EX-4.2 Exhibit 4.2 ELBERTON FEDERAL SAVINGS & LOAN ASSOCIATION Dear Member: I am pleased to tell you about an investment opportunity and just as importantly, to request your vote on a matter of importance. Pursuant to a Plan of Merger Conversion (the “Plan”), Elberton Federal Savings & Loan Association (“Elberton”) plans to convert from the mutual (meaning no stockholders) to the stock form of own

May 10, 2023 253G2

SUPPLEMENT NO. 1 dated May 10, 2023 FORM 1-A REGISTRATION STATEMENT dated May 1, 2023 Oconee Financial Corporation 41 N. Main Street Watkinsville, Georgia 30677 (706) 769-6611

253G2 Filed pursuant to Rule 253(g)(2) File No. 024-12151 SUPPLEMENT NO. 1 dated May 10, 2023 to FORM 1-A REGISTRATION STATEMENT dated May 1, 2023 Oconee Financial Corporation 41 N. Main Street Watkinsville, Georgia 30677 (706) 769-6611 This Supplement No. 1, dated May 10, 2023 (this “Supplement”), supplements the Offering Circular of Oconee Financial Corporation (the “Company”) dated May 1, 2023,

May 10, 2023 EX-1.2

Form of Agency Agreement

EX-1.2 Exhibit 1.2 OCONEE FINANCIAL CORPORATION up to 149,015 Shares COMMON SHARES ($2.00 Par Value) Subscription Price $28.94 Per Share AGENCY AGREEMENT (this “Agreement”) May 9, 2023 Performance Trust Capital Partners, LLC 500 West Madison, Suite 450 Chicago, Illinois 60661 Ladies and Gentlemen: Oconee Financial Corporation, a Georgia corporation (the “Company”), the Company’s wholly owned subsi

May 8, 2023 CORRESP

Chase Tower 2200 Ross Avenue, Suite 2300 Dallas, TX 75201 214-922-3400 | Fax: 214-922-3899 Patrick R. Hanchey Direct Dial: 214-922-3527 Email: [email protected] May 8, 2023

CORRESP Chase Tower 2200 Ross Avenue, Suite 2300 Dallas, TX 75201 214-922-3400 | Fax: 214-922-3899 Patrick R.

May 5, 2023 CORRESP

Chase Tower 2200 Ross Avenue, Suite 2300 Dallas, TX 75201 214-922-3400 | Fax: 214-922-3899 Patrick R. Hanchey Direct Dial: 214-922-3527 Email: [email protected] May 5, 2023

CORRESP Chase Tower 2200 Ross Avenue, Suite 2300 Dallas, TX 75201 214-922-3400 | Fax: 214-922-3899 Patrick R.

May 1, 2023 PART II AND III

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Amendment No. 3 FORM 1-A REGISTRATION STATEMENT THE SECURITIES ACT OF 1933 OCONEE FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Georgia 6022 58-244

PART II AND III Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

May 1, 2023 EX1A-4 SUBS AGMT

OCONEE FINANCIAL CORPORATION up to 149,066 Shares COMMON SHARES ($2.00 Par Value) Subscription Price $28.93 Per Share AGENCY AGREEMENT (this “Agreement”) May 5, 2023

EX1A-4 SUBS AGMT Exhibit 1.2 OCONEE FINANCIAL CORPORATION up to 149,066 Shares COMMON SHARES ($2.00 Par Value) Subscription Price $28.93 Per Share AGENCY AGREEMENT (this “Agreement”) May 5, 2023 Performance Trust Capital Partners, LLC 500 West Madison, Suite 450 Chicago, Illinois 60661 Ladies and Gentlemen: Oconee Financial Corporation, a Georgia corporation (the “Company”), the Company’s wholly o

May 1, 2023 EX1A-12 OPN CNSL

Opinion of Alston & Bird LLP

EX1A-12 OPN CNSL Exhibit 12.1 One Atlantic Center 1201 West Peachtree Street Atlanta, GA 30309-3424 404-881-7000 | Fax: 404-881-7777 April 14, 2023 Oconee Financial Corporation 41 N. Main Street Watkinsville, Georgia 30677 Re: Oconee Financial Corporation – Offering Statement on Form 1-A Ladies and Gentlemen: We have acted as counsel for Oconee Financial Corporation, a Georgia corporation (the “Co

May 1, 2023 EX1A-11 CONSENT

Consent of Wipfli LLP

EX1A-11 CONSENT Exhibit 11.3 Consent of Independent Auditor We consent to the inclusion in the Offering Circular on Form 1-A of Oconee Financial Corporation (“Oconee”) of our report dated April 7, 2023, relating to our audit of the financial statements of Elberton Federal Savings and Loan Association as of and for the years ended December 31, 2022 and 2021. We also consent to the reference to our

May 1, 2023 EX1A-11 CONSENT

Consent of Mauldin & Jenkins, LLC

EX1A-11 CONSENT Exhibit 11.4 Consent of Mauldin & Jenkins, LLC April 14, 2023 We consent to the inclusion in the Offering Circular on Form 1-A of Oconee Financial Corporation (“Oconee”) of our reports relating to our audits of the financial statements of Oconee as of and for the years ended December 31, 2022, and 2021. We also consent to the reference to our firm under the heading “Experts” in the

April 28, 2023 CORRESP

Chase Tower 2200 Ross Avenue, Suite 2300 Dallas, TX 75201 214-922-3400 | Fax: 214-922-3899

CORRESP 1 filename1.htm Chase Tower 2200 Ross Avenue, Suite 2300 Dallas, TX 75201 214-922-3400 | Fax: 214-922-3899 Patrick R. Hanchey Direct Dial: 214-922-3527 Email: [email protected] April 28, 2023 Via EDGAR Mr. Robert Arzonetti Mr. John Dana Brown Securities and Exchange Commission Washington, D.C. 20549 Re: Oconee Financial Corporation Offering Statement Amendment No. 2 to Offering St

April 11, 2023 EX1A-11 CONSENT

Consent of Mauldin & Jenkins, LLC April 7, 2023

EX11.4 Consent of Mauldin & Jenkins, LLC Exhibit 11.4 Consent of Mauldin & Jenkins, LLC April 7, 2023 We consent to the inclusion in the Offering Circular on Form 1-A of Oconee Financial Corporation (“Oconee”) of our reports relating to our audits of the financial statements of Oconee as of and for the years ended December 31, 2022, 2021, 2020 and 2019. We also consent to the reference to our firm

April 11, 2023 EX1A-11 CONSENT

Consent of Wipfli, LLP March 23, 2023

EX11.3 Consent of Wipfli LLP Exhibit 11.3 Consent of Wipfli, LLP March 23, 2023 We consent to the inclusion in the Offering Circular on Form 1-A of Oconee Financial Corporation (“Oconee”) of our report dated May 26, 2022, relating to our audit of the financial statements of Elberton Federal Savings and Loan Association as of and for the years ended December 31, 2021 and 2020. We also consent to th

April 11, 2023 PART II AND III

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Amendment No. 2 FORM 1-A REGISTRATION STATEMENT THE SECURITIES ACT OF 1933 OCONEE FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Georgia 6022 58-244

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Amendment No. 2 to FORM 1-A REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 OCONEE FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Georgia 6022 58-2442250 State of Incorporation Primary Standard Industrial Classification Code I.R.S. Employer Identification Number 41 N. Mai

March 24, 2023 EX1A-11 CONSENT

Consent of Wipfli, LLP March 23, 2023

Exhibit 11.3 Consent of Wipfli, LLP March 23, 2023 We consent to the inclusion in the Offering Circular on Form 1-A of Oconee Financial Corporation (“Oconee”) of our report dated May 26, 2022, relating to our audit of the financial statements of Elberton Federal Savings and Loan Association as of and for the years ended December 31, 2021 and 2020. We also consent to the reference to our firm under

March 24, 2023 EX1A-2B BYLAWS

Bylaws of Oconee Financial Corporation

EX-2.2 Bylaws of Oconee Financial Corporation Exhibit 2.2 AMENDED AND RESTATED BYLAWS OF OCONEE FINANCIAL CORPORATION ARTICLE I OFFICES Section 1. Registered Office. The corporation shall maintain at all times a registered office in the State of Georgia and a registered agent at that office. Section 2. Other Offices. The corporation may also have offices at such other places, both inside or outsid

March 24, 2023 EX1A-6 MAT CTRCT

Employment Agreement by and between Oconee State Bank and Daniel Graves to be effective as of the Closing of the Merger Conversion

EX-6.2 Employment Agmt by/between Oconee State Bank and Daniel Graves Exhibit 6.2 (Employment Agreement between Oconee State Bank and Daniel Graves) SECOND AMENDED AND RESTATED EMPLOYMENT AGREEMENT THIS SECOND AMENDED AND RESTATED EMPLOYMENT AGREEMENT (this “Agreement”) is entered by and among Oconee State Bank, a bank chartered under the laws of the State of Georgia (the “Bank” or the “Employer”)

March 24, 2023 CORRESP

Chase Tower 2200 Ross Avenue, Suite 2300 Dallas, TX 75201 214-922-3400 | Fax: 214-922-3899 Patrick R. Hanchey Direct Dial: 214-922-3527 Email: [email protected]

CORRESP Chase Tower 2200 Ross Avenue, Suite 2300 Dallas, TX 75201 214-922-3400 | Fax: 214-922-3899 Patrick R.

March 24, 2023 EX1A-7 ACQ AGMT

Amended and Restated Agreement and Plan of Merger Conversion dated as of December 15, 2022, by and among Oconee Financial Corporation, Oconee State Bank and Elberton Federal Savings & Loan Association

EX-7.1 Amended/Restated Agmt & Pln of Merger Conversion 12/15/22, OFC, OSB & EFS Exhibit 7.1 (Amended and Restated Agreement and Plan of Merger Conversion) Execution Version AMENDED AND RESTATED AGREEMENT AND PLAN OF MERGER CONVERSION THIS AMENDED AND RESTATED AGREEMENT AND PLAN OF MERGER CONVERSION (this “Agreement”) is entered into as of this 15th day of December 2022, by and among Oconee Financ

March 24, 2023 EX1A-2A CHARTER

Articles of Incorporation of Oconee Financial Corporation

Exhibit 2.1 Secretary of State DOCKET NUMBER : 011300933 Corporations Division CONTROL NUMBER : K832088 315 West Tower EFFECTIVE DATE : 05/09/2001 #2 Martin Luther King, Jr. Dr. REFERENCE : 0044 Atlanta, Georgia 30334-1530 PRINT DATE : 05/10/2001 FORM NUMBER : 111 KILPATRICK STOCKTON LLP KELLY A. HOWLEY 1100 PEACHTREE ST, STE 2800 ATLANTA, GA 30309 CERTIFICATE OF AMENDMENT I, Cathy Cox, the Secret

March 24, 2023 ADD EXHB

Stock Order Form

Exhibit 4.1 STOCK ORDER FORM For Internal Use Only SEND OVERNIGHT PACKAGES TO: Performance Trust Capital Partners Oconee Stock Information Center 500 W. Madison St., Suite 450 Chicago, Illinois 60661 [TBD] BATCH # ORDER # PRIORITY# REC’D CHECK ORDER DEADLINE & DELIVERY: A Stock Order Form, properly completed and with full payment, must be received (not postmarked) before 5:00 p.m., Eastern Time, o

March 24, 2023 ADD EXHB

Oconee Financial Corporation 2021 Equity Incentive Plan

Exhibit 6.1 OCONEE FINANCIAL CORPORATION 2021 EQUITY INCENTIVE PLAN ARTICLE 1 PURPOSE 1.1 GENERAL. The purpose of the Oconee Financial Corporation 2021 Equity Incentive Plan (the “Plan”) is to promote the success, and enhance the value, of Oconee Financial Corporation (the “Company”), by linking the personal interests of employees, officers, directors and consultants of the Company or any Affiliat

March 24, 2023 EX1A-11 CONSENT

Consent of Mauldin & Jenkins, LLC March 23, 2023

Exhibit 11.4 Consent of Mauldin & Jenkins, LLC March 23, 2023 We consent to the inclusion in the Offering Circular on Form 1-A of Oconee Financial Corporation (“Oconee”) of our reports relating to our audits of the financial statements of Oconee as of and for the years ended December 31, 2021, 2020 and 2019. We also consent to the reference to our firm under the heading “Experts” in the Offering C

March 24, 2023 EX1A-11 CONSENT

Consent of RP Financial, LC

EX1A-11 CONSENT 12 d406793dex1a11consent.htm EX11.1 CONSENT OF RP FINANCIAL, LC Exhibit 11.1 Consent of RP Financial, LC March 23, 2023 We hereby consent to the inclusion of our appraisal of the fair market value of Elberton Federal Savings and Loan Association dated October 28, 2022, which appears in the accompanying Offering Statement on Form 1-A of Oconee Financial Corporation. We also consent

March 24, 2023 EX1A-11 CONSENT

Consent of Alston & Bird LLP

Exhibit 11.2 Consent of Alston & Bird LLP March 23, 2023 We consent to the filing of our opinion letter as an exhibit to the accompanying Offering Statement on Form 1-A of Oconee Financial Corporation. We also consent to the reference to our firm under the headings “Terms of the Offering” and “Legal Matters” in the Offering Circular. In giving our consent, we do not hereby admit that we are in the

March 24, 2023 EX1A-12 OPN CNSL

One Atlantic Center 1201 West Peachtree Street Atlanta, GA 30309-3424 404-881-7000 | Fax: 404-881-7777

EX1A-12 OPN CNSL 16 d406793dex1a12opncnsl.htm EX12.1 OPINION OF ALSTON & BIRD LLP Exhibit 12.1 One Atlantic Center 1201 West Peachtree Street Atlanta, GA 30309-3424 404-881-7000 | Fax: 404-881-7777 , 2023 Oconee Financial Corporation 41 N. Main Street Watkinsville, Georgia 30677 Re: Oconee Financial Corporation – Offering Statement on Form 1-A Ladies and Gentlemen: We have acted as counsel for Oco

March 24, 2023 ADD EXHB

Amended and Restated Plan of Merger Conversion dated as of June 1, 2021.

Exhibit 7.2 (Plan of Merger Conversion) AMENDED AND RESTATED PLAN OF MERGER CONVERSION OF ELBERTON FEDERAL SAVINGS AND LOAN ASSOCIATION WITH OCONEE STATE BANK I. GENERAL On July 15, 2021, the Boards of Directors of Elberton Federal Savings and Loan Association (“Elberton”), Oconee Financial Corporation (“Oconee”) and Oconee State Bank (the “Bank”), respectively, adopted and approved this Amended a

March 24, 2023 ADD EXHB

Elberton Appraisal

Exhibit 99.1 PRO FORMA VALUATION REPORT Elberton Federal Savings & Loan Association For the simultaneous merger/conversion with and into: Oconee State Bank Watkinsville, Georgia Elberton Federal Savings & Loan Association Elberton, Georgia Valuation Date: October 28, 2022 1311-A Dolley Madison Boulevard, Suite 2A McLean, Virginia 22101 703.528.1700 rpfinancial.com Exhibit 99.1 October 28, 2022 Boa

March 24, 2023 ADD EXHB

ELBERTON FEDERAL SAVINGS & LOAN ASSOCIATION

Exhibit 4.2 ELBERTON FEDERAL SAVINGS & LOAN ASSOCIATION Dear Member: I am pleased to tell you about an investment opportunity and just as importantly, to request your vote on a matter of importance. Pursuant to a Plan of Merger Conversion (the “Plan”), Elberton Federal Savings and Loan Association (“Elberton”) plans to convert from the mutual (meaning no stockholders) to the stock form of ownershi

March 24, 2023 PART II AND III

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Amendment No. 1 FORM 1-A REGISTRATION STATEMENT THE SECURITIES ACT OF 1933 OCONEE FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Georgia 6022 58-244

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Amendment No. 1 to FORM 1-A REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 OCONEE FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Georgia 6022 58-2442250 State of Incorporation Primary Standard Industrial Classification Code I.R.S. Employer Identification Number 41 N. Mai

March 24, 2023 EX1A-1 UNDR AGMT

Agreement with Performance Trust Capital Partners

EX1A-1 UNDR AGMT 3 d406793dex1a1undragmt.htm EX-1 - AGREEMENT WITH PERFORMANCE TRUST CAPITAL PARTNERS Exhibit 1 (Agreement with Performance Trust Capital Partners) January 4, 2021 Board of Directors Oconee Financial Corporation Oconee State Bank 35 North Main Street Watkinsville, Georgia 30677 Board of Directors Elberton Federal Savings & Loan Association 6 Church Street Elberton, Georgia 36035 La

February 9, 2023 ADD EXHB

TABLE OF CONTENTS Elberton Federal Savings & Loan Association Elberton, Georgia DESCRIPTION PAGE NUMBER CHAPTER ONE OVERVIEW AND FINANCIAL ANALYSIS Introduction I.1 Strategic Overview I.1 Agreement and Plan of Merger Conversion I.3 Balance Sheet Tren

Exhibit 99.1 October 28, 2022 Board of Directors Elberton Federal Savings & Loan Association Six Church Street Elberton, Georgia 30635 Members of the Board of Directors: At your request, RP® Financial, LC. (“RP Financial”) has completed and hereby provides an independent appraisal (“Appraisal”) of the estimated pro forma market value of the common stock which is to be offered in connection with th

February 9, 2023 EX1A-2A CHARTER

FEDERAL SAVINGS AND LOAN SYSTEM CHARTER K (Rev.)

Exhibit 2.1 NUMBER 2103 FEDERAL SAVINGS AND LOAN SYSTEM CHARTER K (Rev.) 1. Corporate title. The full corporate title of the Federal association hereby chartered is “Elberton Federal Savings and Loan Association.” 2. Office. The home office shall be located at Elberton, in the County of Elbert, State of Georgia. 3. Objects and powers. The objects of the association are to promote thrift by providi

February 9, 2023 ADD EXHB

OCONEE FINANCIAL CORPORATION 2021 EQUITY INCENTIVE PLAN ARTICLE 1

Exhibit 6.1 OCONEE FINANCIAL CORPORATION 2021 EQUITY INCENTIVE PLAN ARTICLE 1 PURPOSE 1.1 GENERAL. The purpose of the Oconee Financial Corporation 2021 Equity Incentive Plan (the “Plan”) is to promote the success, and enhance the value, of Oconee Financial Corporation (the “Company”), by linking the personal interests of employees, officers, directors and consultants of the Company or any Affiliat

February 9, 2023 EX1A-2B BYLAWS

ELBERTON FEDERAL SAVINGS & LOAN ASSOCIATION P. O. Box 897 - 6 Church Street - Elberton, Georgia 30635-0897 Phone (706) 283-5821 Fax (706) 283-7113 E-mail - [email protected]

Exhibit 2.2 ELBERTON FEDERAL SAVINGS & LOAN ASSOCIATION P. O. Box 897 - 6 Church Street - Elberton, Georgia 30635-0897 Phone (706) 283-5821 Fax (706) 283-7113 E-mail - [email protected] BY-LAWS 1. ANNUAL MEETINGS OF MEMBERS. The annual meeting of the members of the Association for the election of Directors and for the transaction of any other business of the Association shall be held at its home

February 9, 2023 PART II AND III

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 1-A REGISTRATION STATEMENT THE SECURITIES ACT OF 1933 OCONEE FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Georgia 6022 58-2442250 State of In

PART II AND III 2 d406793dpartiiandiii.htm PART II AND III Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 1-A REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 OCONEE FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Georgia 6022 58-2442250 State of Incorporation Primary Standard Industrial Classification Code I.R.S.

February 9, 2023 ADD EXHB

(Plan of Merger Conversion) AMENDED AND RESTATED PLAN OF MERGER CONVERSION OF ELBERTON FEDERAL SAVINGS AND LOAN ASSOCIATION OCONEE STATE BANK

Exhibit 7.2 (Plan of Merger Conversion) AMENDED AND RESTATED PLAN OF MERGER CONVERSION OF ELBERTON FEDERAL SAVINGS AND LOAN ASSOCIATION WITH OCONEE STATE BANK I. GENERAL On July 15, 2021, the Boards of Directors of Elberton Federal Savings and Loan Association (“Elberton”), Oconee Financial Corporation (“Oconee”) and Oconee State Bank (the “Bank”), respectively, adopted and approved this Amended a

February 9, 2023 EX1A-1 UNDR AGMT

(Agreement with Performance Trust Capital Partners)

EX1A-1 UNDR AGMT 3 d406793dex1a1undragmt.htm EX-1 - AGREEMENT WITH PERFORMANCE TRUST CAPITAL PARTNERS Exhibit 1 (Agreement with Performance Trust Capital Partners) January 4, 2021 Board of Directors Oconee Financial Corporation Oconee State Bank 35 North Main Street Watkinsville, Georgia 30677 Board of Directors Elberton Federal Savings & Loan Association 6 Church Street Elberton, Georgia 36035 La

February 9, 2023 EX1A-6 MAT CTRCT

(Employment Agreement between Oconee State Bank and Daniel Graves) SECOND AMENDED AND RESTATED EMPLOYMENT AGREEMENT

EX1A-6 MAT CTRCT 7 d406793dex1a6matctrct.htm EX-6.2 EMPLOYMENT AGMT BY/BETWEEN OCONEE STATE BANK AND DANIEL GRAVES Exhibit 6.2 (Employment Agreement between Oconee State Bank and Daniel Graves) SECOND AMENDED AND RESTATED EMPLOYMENT AGREEMENT THIS SECOND AMENDED AND RESTATED EMPLOYMENT AGREEMENT (this “Agreement”) is entered by and among Oconee State Bank, a bank chartered under the laws of the St

February 9, 2023 EX1A-7 ACQ AGMT

(Amended and Restated Agreement and Plan of Merger Conversion)

Exhibit 7.1 (Amended and Restated Agreement and Plan of Merger Conversion) Execution Version AMENDED AND RESTATED AGREEMENT AND PLAN OF MERGER CONVERSION THIS AMENDED AND RESTATED AGREEMENT AND PLAN OF MERGER CONVERSION (this “Agreement”) is entered into as of this 15th day of December 2022, by and among Oconee Financial Corporation (“Oconee”), a Georgia corporation, Oconee State Bank (the “Bank”)

May 15, 2012 10-Q

Quarterly Report - OCONEE FINANCIAL CORPORATION

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) þ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2012 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-25267 OCONEE FIN

April 20, 2012 DEF 14A

- NOTICE AND PROXY STATEMENT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: £ Preliminary Proxy Statement £ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

April 18, 2012 15-12G

- FORM 15

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 Certification and Notice of Termination of Registration under Section 12(g) of the Securities Exchange Act of 1934 or Suspension of Duty to File Reports under Sections 13 and 15(d) of the Securities Exchange Act of 1934 Commission File Number 000-25267 OCONEE FINANCIAL CORPORATION (Exact name of registrant as specified

March 30, 2012 EX-21.1

SUBSIDIARIES OF OCONEE FINANCIAL CORPORATION Oconee State Bank

Exhibit 21 SUBSIDIARIES OF OCONEE FINANCIAL CORPORATION Oconee State Bank OSB Services, Inc. Real Estate Holdings Georgia, Inc.

March 30, 2012 10-K

Annual Report - FORM 10-K

U.S. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K x Annual Report Under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2011 o Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Transition period from to Commission File Number 000-25267 Oconee Financial Corporation (Name of Small

November 14, 2011 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

10-Q 1 oconee10q-093011.htm FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) þ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2011 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to C

September 30, 2011 CORRESP

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KILPATRICK TOWNSEND & STOCKTON LLP www.kilpatricktownsend.com Suite 2800 1100 Peachtree St. Atlanta GA 30309-4528 t 404 815 6500 f 404 815 6555 September 30, 2011 direct dial 404 815 6270 direct fax 404 541 3400 [email protected] VIA EDGAR, FEDERAL EXPRESS AND E-MAIL U.S. Securities and Exchange Commission Division of Corporation Finance Mail Stop 4651 Washington, D.C. 20549 Attentio

August 10, 2011 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) þ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2011 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-25267 OCONEE FINANCIAL CORPORAT

July 8, 2011 8-K

Submission of Matters to a Vote of Security Holders

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 2, 2011 Oconee Financial Corporation (Exact name of registrant as specified in its charter) Georgia No. 000-25267 No. 58-244-2250 (State or other jurisdiction of (Commission File Number) (IRS E

May 16, 2011 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) þ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2011 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-25267 Oconee Fin

April 15, 2011 DEF 14A

Oconee Financial Corporation 2011 Annual Meeting Notice of Annual Meeting Proxy Statement

Oconee Financial Corporation 2011 Annual Meeting Notice of Annual Meeting and Proxy Statement OCONEE FINANCIAL CORPORATION 35 North Main Street Post Office Box 205 Watkinsville, Georgia 30677-0205 NOTICE OF ANNUAL MEETING OF SHAREHOLDERS TO BE HELD ON MAY 2, 2011 The annual meeting of shareholders of Oconee Financial Corporation (the “Corporation”) will be held on Monday, May 2, 2011, at the H.

March 31, 2011 10-K

U.S. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

U.S. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K x Annual Report Under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2010 o Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Commission File Number 000-25267 Oconee Financial Corporation (Name of Small Business Issuer in its Charter) Ge

March 31, 2011 EX-21

SUBSIDIARIES OF OCONEE FINANCIAL CORPORATION Oconee State Bank

EX-21 2 oconee10k-ex2101.htm SUBSIDIARIES Exhibit 21 SUBSIDIARIES OF OCONEE FINANCIAL CORPORATION Oconee State Bank OSB Services, Inc. Real Estate Holdings Georgia, Inc. Motel Holdings Georgia, Inc.

November 15, 2010 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) þ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2010 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-25267 OCONEE

August 16, 2010 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q þ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2010 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-25267 OCONEE FINANCIAL CORPO

May 27, 2010 8-K

Submission of Matters to a Vote of Security Holders

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 3, 2010 Oconee Financial Corporation (Exact name of registrant as specified in its charter) Georgia No. 000-25267 No. 58-244-2250 (State or other jurisdiction of (Commission File Number) (IRS E

May 17, 2010 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) þ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2010 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-25267 OCONEE FIN

April 16, 2010 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. _____)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

March 31, 2010 EX-21.1

SUBSIDIARIES OF OCONEE FINANCIAL CORPORATION Oconee State Bank

EX-21.1 2 oconee10k-ex2101.htm LIST OF SUBSIDIARIES Exhibit 21.1 SUBSIDIARIES OF OCONEE FINANCIAL CORPORATION Oconee State Bank OSB Services, Inc. Real Estate Holdings Georgia, Inc. Motel Holdings Georgia, Inc.

March 31, 2010 10-K

U.S. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

U.S. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K x Annual Report Under Section 13 or 15(d) of the Securities Exchange Act of 1934 for the Fiscal Year Ended December 31, 2009 o Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Commission File Number 000-25267 Oconee Financial Corporation (Name of Small Business Issuer in its Charter) Ge

November 16, 2009 EX-10.1

WASHINGTON, D.C.

EX-10.1 2 oconee10q-ex1001.htm ORDER Exhibit 10.1 FEDERAL DEPOSIT INSURANCE CORPORATION WASHINGTON, D.C. ) In the Matter of ) ) ORDER TO OCONEE STATE BANK ) CEASE AND DESIST WATKINSVILLE, GEORGIA ) FDIC-09-221b ) (INSURED STATE NONMEMBER BANK) ) OCONEE STATE BANK, WATKINSVILLE, GEORGIA (“Bank”), having been advised of its right to a Notice of Charges and of Hearing detailing the unsafe or unsound

November 16, 2009 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) þ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2009 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-25267 OCONEE

August 21, 2009 8-K

Entry into a Material Definitive Agreement

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 21, 2009 (August 18, 2009) Oconee Financial Corporation (Exact name of registrant as specified in its charter) Georgia No. 000-25267 No. 58-244-2250 (State or other jurisdiction of (Commissi

August 14, 2009 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) þ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2009 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-25267 OCONEE FINA

May 15, 2009 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

10-Q 1 oconee10q-033109.htm FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) þ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2009 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commi

April 22, 2009 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. _____)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

April 15, 2009 EX-21.1

SUBSIDIARIES OF OCONEE FINANCIAL CORPORATION Oconee State Bank OSB Services, Inc. Putters, Inc.

Exhibit 21.1 SUBSIDIARIES OF OCONEE FINANCIAL CORPORATION Oconee State Bank OSB Services, Inc. Putters, Inc.

April 15, 2009 10-K

U.S. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

10-K 1 oconee10k-123108.htm FORM 10-K U.S. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K x Annual Report Under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2008 o Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Commission File Number 000-25267 Oconee Financial Corporation (Name of Sm

March 31, 2009 NT 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SEC FILE NUMBER 000-25267 FORM 12b-25 CUSIP NUMBER NOTIFICATION OF LATE FILING (Check One): x Form 10-K o Form 20-F o Form 11-K o Form 10-Q o Form 10-D o Form N-SAR o Form N-CSR For Period Ended: December 31, 2008 o Transition Report on Form 10-K o Transition Report on Form 20-F o Transition Report on Form 20-F o Transition Re

February 6, 2009 8-K

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 2, 2009 Oconee Financial Corporation (

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 2, 2009 Oconee Financial Corporation (Exact name of registrant as specified in its charter) Georgia No. 000-25267 No. 58-244-2250 (State or other jurisdiction of (Commission File Number) (

November 14, 2008 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-Q [X] QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended September 30, 2008 [ ] TRANSITION REPORT UNDER SECT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-Q [X] QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended September 30, 2008 [ ] TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT For the Transition Period from to Commission File number 000-25267 Oconee Financial Corporation (Exact name of reg

October 22, 2008 8-K

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 22, 2008 (October 20, 2008) Oconee Fina

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 22, 2008 (October 20, 2008) Oconee Financial Corporation (Exact name of registrant as specified in its charter) Georgia No. 000-25267 No. 58-244-2250 (State or other jurisdiction of (Commis

August 14, 2008 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-Q [X] QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended June 30, 2008 [ ] TRANSITION REPORT UNDER SECTION 1

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-Q [X] QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended June 30, 2008 [ ] TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT For the Transition Period from to Commission File number 000-25267 Oconee Financial Corporation (Exact name of registra

July 28, 2008 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 21, 2008 Oconee Financial Corporation (Exact name of registrant as specified in its charter) Georgia No. 000-25267 No. 58-244-2250 (State or other jurisdiction of (Commission File Number) (IRS

May 21, 2008 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 19, 2008 Oconee Financial Corporation (Exact name of registrant as specified in its charter) Georgia No. 000-25267 No. 58-244-2250 (State or other jurisdiction of (Commission File Number) (IRS

May 15, 2008 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-Q [X] QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended March 31, 2008 [ ] TRANSITION REPORT UNDER SECTION

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-Q [X] QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended March 31, 2008 [ ] TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT For the Transition Period from to Commission File number 000-25267 Oconee Financial Corporation (Exact name of registr

April 18, 2008 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. _____)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

March 31, 2008 10KSB

U.S. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-KSB

U.S. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-KSB x Annual Report Under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2007 ¨ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Commission File Number 000-25267 Oconee Financial Corporation (Name of Small Business Issuer in its Charter)

January 23, 2008 10KSB/A

U.S. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-KSB/A Amendment No. 2 x Annual Report Under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2006 ¨ Transition Report Pursuant to

U.S. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-KSB/A Amendment No. 2 x Annual Report Under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2006 ¨ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Commission File Number 000-25267 Oconee Financial Corporation (Name of Small Business Issue

January 22, 2008 10KSB/A

U.S. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-KSB/A Amendment No. 1 x Annual Report Under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2006 ¨ Transition Report Pursuant to

U.S. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-KSB/A Amendment No. 1 x Annual Report Under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2006 ¨ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Commission File Number 000-25267 Oconee Financial Corporation (Name of Small Business Issue

January 7, 2008 CORRESP

* * *

Suite 2800 1100 Peachtree St. Atlanta GA 30309-4530 t 404 815 6500 f 404 815 6555 www.KilpatrickStockton.com January 7, 2008 direct dial 404 815 6570 direct fax 404 541 3151 [email protected] Securities and Exchange Commission Division of Corporate Finance Mail Stop 4561 Washington, DC 20549 Attention: John P. Nolan Babette Cooper Re: Oconee Financial Corporation Form 10-KSB for FYE

November 14, 2007 10QSB

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-QSB [X] QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended September 30, 2007 [ ] TRANSITION REPORT UNDER SE

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-QSB [X] QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended September 30, 2007 [ ] TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT For the Transition Period from to Commission File number 000-25267 Oconee Financial Corporation (Exact name of r

August 14, 2007 10QSB

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-QSB [X] QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended June 30, 2007 [ ] TRANSITION REPORT UNDER SECTION

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-QSB [X] QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended June 30, 2007 [ ] TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT For the Transition Period from to Commission File number 000-25267 Oconee Financial Corporation (Exact name of regist

May 14, 2007 10QSB

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-QSB [X] QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended March 31, 2007 [ ] TRANSITION REPORT UNDER SECTIO

Index UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-QSB [X] QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended March 31, 2007 [ ] TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT For the Transition Period from to Commission File number 000-25267 Oconee Financial Corporation (Exact name of

April 20, 2007 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. _____)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

April 2, 2007 EX-21.1

SUBSIDIARIES OF OCONEE FINANCIAL CORPORATION Oconee State Bank OSB Services, Inc.

Exhibit 21.1 SUBSIDIARIES OF OCONEE FINANCIAL CORPORATION Oconee State Bank OSB Services, Inc.

April 2, 2007 10KSB

U.S. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-KSB

U.S. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-KSB x Annual Report Under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2006 ¨ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Commission File Number 000-25267 Oconee Financial Corporation (Name of Small Business Issuer in its Charter)

November 22, 2006 EX-16

November 22, 2006

November 22, 2006 Securities and Exchange Commission 100 F Street, NE Washington, D.

November 22, 2006 8-K

Current Report

8-K 1 t12309.htm CURRENT REPORT ON FORM 8-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 20, 2006 Oconee Financial Corporation (Exact name of registrant as specified in its charter) Georgia 000-25267 58-2442250 (State or other jurisd

November 13, 2006 10QSB

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-QSB T QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended September 30, 2006 £ TRANSITION REPORT UNDER SECTIO

Index UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-QSB T QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended September 30, 2006 £ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT For the Transition Period from to Commission File number 000-25267 Oconee Financial Corporation (Exact name of

August 14, 2006 10QSB

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-QSB [X] QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended June 30, 2006 [ ] TRANSITION REPORT UNDER SECTION

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-QSB [X] QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended June 30, 2006 [ ] TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT For the Transition Period from to Commission File number 000-25267 Oconee Financial Corporation (Exact name of regist

May 15, 2006 10QSB

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-QSB x QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended March 31, 2006 o TRANSITION REPORT UNDER SECTION 13

10QSB 1 t1025910qsb.htm FORM 10-QSB Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-QSB x QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended March 31, 2006 o TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT For the Transition Period from to Commission File number 000-25267

April 14, 2006 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON , D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON , D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use o

April 14, 2006 DEF 14A

NOTICE AND PROXY STATEMENT

OCONEE FINANCIAL CORPORATION 2006 Annual Meeting Notice of Annual Meeting and Proxy Statement OCONEE FINANCIAL CORPORATION 35 North Main Street Post Office Box 205 Watkinsville, Georgia 30677-0205 NOTICE OF ANNUAL MEETING OF SHAREHOLDERS TO BE HELD ON MAY 1, 2006 The annual meeting of shareholders of Oconee Financial Corporation (the “Corporation”) will be held on Monday, May 1, 2006, at 7:30 p.

March 31, 2006 EX-21.1

SUBSIDIARIES OF OCONEE FINANCIAL CORPORATION Oconee State Bank OSB Services, Inc.

Exhibit 21.1 SUBSIDIARIES OF OCONEE FINANCIAL CORPORATION Oconee State Bank OSB Services, Inc.

March 31, 2006 10KSB

U.S. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-KSB

U.S. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-KSB x Annual Report Under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2005 ¨ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Commission File Number 000-25267 Oconee Financial Corporation (Name of Small Business Issuer in its Charter)

November 14, 2005 10QSB

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-QSB [X] QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended September 30, 2005 [ ] TRANSITION REPORT UNDER SE

10QSB 1 t818810qsb.htm FORM 10-QSB UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-QSB [X] QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended September 30, 2005 [ ] TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT For the Transition Period from to Commission File number 000-25267 Oconee Fin

August 12, 2005 10QSB

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-QSB [X] QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended June 30, 2005 [ ] TRANSITION REPORT UNDER SECTION

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-QSB [X] QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended June 30, 2005 [ ] TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT For the Transition Period from to Commission File number 000-25267 Oconee Financial Corporation (Exact name of regist

May 13, 2005 10QSB

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-QSB [X] QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended March 31, 2005 [ ] TRANSITION REPORT UNDER SECTIO

Oconee Financial Corporation Form 10-QSB UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

April 15, 2005 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON , D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

Notice and Proxy Statement UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON , D.

March 31, 2005 EX-14

OCONEE FINANCIAL CORPORATION CODE OF ETHICAL CONDUCT

Exhibit 14 Exhibit 14 OCONEE FINANCIAL CORPORATION CODE OF ETHICAL CONDUCT The Chief Executive Officer (principal executive officer), Chief Financial Officer (principal financial officer) and Controller (principal accounting officer) of Oconee Financial Corporation (the “Company”) must: · Act honesty and ethically, avoiding actual or apparent conflicts of interest in personal and professional relationships.

March 31, 2005 EX-4.1

EX-4.1

Exhibit 4.1 Exhibit 4.1

March 31, 2005 10KSB

U.S. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-KSB

Oconee Financial Corporation Form 10-KSB U.S. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-KSB x Annual Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2004 ¨ Transition Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Commission File Number 000-25267 Oconee Financial Corporation

February 25, 2005 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

Oconee Financial Corporation 8-K SECURITIES AND EXCHANGE COMMISSION Washington, D.

November 10, 2004 10QSB

Forward-Looking Statements Contractual Obligations and Commitments

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-QSB [X] QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended September 30, 2004 [ ] TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT For the Transition Period from to Commission File number 000-25267 Oconee Financial Corporation (Exact name of r

August 16, 2004 10QSB

Forward-Looking Statements Contractual Obligations and Commitments

10QSB 1 a1288oconee10qsb.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-QSB [X] QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended June 30, 2004 [ ] TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT For the Transition Period from to Commission File number 000-25267 Oconee Financial Corp

May 14, 2004 10QSB

Forward-Looking Statements Contractual Obligations and Commitments

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-QSB [X] QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended March 31, 2004 [ ] TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT For the Transition Period from to Commission File number 000-25267 Oconee Financial Corporation (E

April 16, 2004 DEF 14A

CHARTER OF THE AUDIT COMMITTEE OF THE BOARD OF DIRECTORS OF OCONEE FINANCIAL CORPORATION

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant S Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as p

March 30, 2004 EX-3.(I)

EX-3.(I)

Exhibit 3.1 ARTICLES OF AMENDMENT OF OCONEE FINANCIAL CORPORATION I. The name of the corporation is Oconee Financial Corporation. The corporation was incorporated on August 27, 1998. (Control Number K832088) 2. The Articles of Incorporation are amended by deleting Article IV in its entirety and inserting in lieu thereof the following: "IV The Corporation shall have authority to issue 1,500,000 sha

March 30, 2004 EX-14

EX-14

OCONEE FINANCIAL CORPORATION CODE OF ETHICAL CONDUCT The Chief Executive Officer (principal executive officer), Chief Financial Officer (principal financial officer) and Controller (principal accounting officer) of Oconee Financial Corporation (the "Company") must: o Act honestly and ethically, avoiding actual or apparent conflicts of interest in personal and professional relationships.

March 30, 2004 10KSB

The Bank SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Provision for Loan Losses Non-Interest Income Non-Interest Expense Summary Investment Securities Loans Allowance for Loan Losses Deposits

U.S. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-KSB x Annual Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2003 ¨ Transition Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Commission File Number 000-25267 Oconee Financial Corporation (Name of Small Business Issuer in its cha

March 30, 2004 EX-21

SUBSIDIARY OF OCONEE FINANCIAL CORPORATION Oconee State Bank

Exhibit 21 SUBSIDIARY OF OCONEE FINANCIAL CORPORATION Oconee State Bank

November 14, 2003 10QSB

Forward-Looking Statements Contractual Obligations and Commitments

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-QSB [X] QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended September 30, 2003 [ ] TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT For the Transition Period from to Commission File number 000-25267 Oconee Financial Corporation (Exact name of r

August 14, 2003 10QSB

Forward-Looking Statements

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-QSB [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended June 30, 2003 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Transition Period from to Commission File number 000-2526

May 15, 2003 EX-99

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350

EX-99 3 exhibit99.htm CERTIFICATION Exhibit 99. CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 The undersigned, pursuant to 18 U.S.C. § as adopted by § 906 of the Sarbanes-Oxley Act of 2002 that: (1) the Quarterly Report on Form 10QSB of Oconee Financial Corporation (the "Company") for the quarterly period ended March 31, 2003 (the "Report") fully complies with the requirements of Section 13(a)

May 15, 2003 10QSB

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-QSB [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended March 31, 2003 [ ] TRANSITION REPORT PURSUA

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-QSB [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended March 31, 2003 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Transition Period from to Commission File number 000-252

April 17, 2003 DEF 14A

SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant S Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(6)(2)) S Definitive Proxy Statement ¨ Definitive Additional Materials ¨ Soliciting Material Under Rule 14a-12 Oconee Financial Corporation (Name of Registrant as Specified in its Charter) N/A (Name of Person(s) Filing Proxy Statement, if other than the Registrant) Payment of Filing Fee (Check the appropriate box): S No fee required.

March 31, 2003 EX-99.1

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350

EX-99.1 3 exhibit991.htm CERTIFICATION Exhibit 99.1 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 I, B. Amrey Harden, the President and Chief Executive Officer of Oconee Financial Corporation (the “Company”), certify, pursuant to 18 U.S.C. sec. 1350 as adopted by sec. 906 of the Sarbanes-Oxley Act of 2002, that: (1) the Annual Report on Form 10-KSB of the Company for the annual period ended Dec

March 31, 2003 10KSB

The Bank SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Provision for Loan Losses Non-Interest Income Non-Interest Expense Summary Investment Securities Loans Table 6 Maturity and Repricing Date for Loans Allowance for Loan Losses Deposits Table 10 Matur

Document Links U.S. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-KSB x Annual Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2002 ¨ Transition Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Commission File Number 000-25267 Oconee Financial Corporation (Exact name of registrant

March 31, 2003 EX-99.2

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350

EX-99.2 4 exhibit992.htm CERTIFICATION Exhibit 99.1 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 I, Jerry K. Wages, the Executive Vice President and Chief Financial Officer of Oconee Financial Corporation (the “Company”), certify, pursuant to 18 U.S.C. sec. 1350 as adopted by sec. 906 of the Sarbanes-Oxley Act of 2002, that: (1) the Annual Report on Form 10-KSB of the Company for the annual pe

August 14, 2002 EX-99

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350

EX-99 3 ex99.htm CERTIFICATION EXHIBIT 99 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 The undersigned certify, pursuant to 18 U.S.C. § 1350 as adopted by § 906 of the Sarbanes-Oxley Act of 2002, that: (1) the Quarterly Report on Form 10-Q of Oconee Financial Corporation (the “Company”) for the quarterly period ended June 30, 2002 (the “Report”) fully complies with the requirements of Section

August 14, 2002 10QSB

Forward-Looking Statement

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-QSB [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended June 30, 2002 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Transition Period from to Commission File number 000-25267 Oconee Financial

May 13, 2002 10QSB

Forward-Looking Statement Contractual Obligations and Commitments

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-QSB [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended March 31, 2002 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Transition Period from to Commission File number 000-25267 Oconee Financia

April 19, 2002 DEF 14A

Oconee Financial Corporation Notice of 2002 Annual Meeting Proxy Statement

Oconee Financial Corporation Notice of 2002 Annual Meeting Proxy Statement SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (

April 1, 2002 10KSB

10KSB

Document Links U.S. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-KSB x Annual Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2001 ¨ Transition Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Commission File Number 000-25267 Oconee Financial Corporation (Exact name of registrant

April 1, 2002 EX-3

AMENDED AND RESTATED OCONEE FINANCIAL CORPORATION ARTICLE I

EX-3 3 amdbylaw.htm EXHIBIT 3.2 - AMENDED AND RESTATED BYLAWS Exhibit 3.2 AMENDED AND RESTATED BYLAWS OF OCONEE FINANCIAL CORPORATION ARTICLE I OFFICES Section 1. Registered Office. The corporation shall maintain at all times a registered office in the State of Georgia and a registered agent at that office. Section 2. Other Offices. The corporation may also have offices at such other places, both

April 1, 2002 EX-10

OCONEE STATE BANK ANNUAL OFFICERS’ CASH INCENTIVE PLAN

EX-10 4 incplan.htm EXHIBIT 10.1 - OFFICERS' CASH INCENTIVE PLAN Exhibit 10.1 OCONEE STATE BANK ANNUAL OFFICERS’ CASH INCENTIVE PLAN PHILOSOPHY OF PLAN: The Officers’ Annual Cash Incentive Plan (“the Plan”) is designed to provide an incentive for the Bank’s officers to achieve operating results above industry norms and to achieve carefully targeted improvements in areas where weaknesses may exist.

November 14, 2001 10QSB

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-QSB [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-QSB [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended September 30, 2001 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Transition Period from to Commission File number 000-25267 Oconee Fina

August 13, 2001 10QSB

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-QSB [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-QSB [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended June 30, 2001 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Transition Period from to Commission File number 000-25267 Oconee Financial

May 14, 2001 10QSB

UNITED STATES SECURITIES AND EXCHANGE COMMISSION

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20429 FORM 10-QSB [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended March 31, 2001 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Transition Period from to Commission File number 000-25267 Oconee Financia

April 20, 2001 DEF 14A

NOTICE OF ANNUAL MEETING AND PROXY STATEMENT

SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant Filed by a Party other than the Registrant Check the appropriate box: Preliminary Proxy Statement Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(6)(2)) Definitive Proxy Statement Definitive Additional Materials Soliciting Material Under Rule 14a-12 Oconee Financial Corporation (Name of Registrant as Specified in its Charter) N/A (Name of Person(s) Filing Proxy Statement, if other than the Registrant) Payment of Filing Fee (Check the appropriate box): No fee required.

April 20, 2001 DEF 14A

OCONEE FINANCIAL CORPORATION NOTICE OF ANNUAL MEETING OF SHAREHOLDERS TO BE HELD ON MAY 7, 2001 OCONEE FINANCIAL CORPORATION PROXY STATEMENT PROPOSAL NO. 1 Election Of Directors PROPOSAL NOS. 2-7 Amendments To the Bylaws of the Corporation PROPOSAL N

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant /X/ Filed by a Party other than the Registrant // Check the appropriate box: // Preliminary Proxy Statement // Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) /X/ Definitive Proxy Statement // Definitive Additional Materials // Soliciting Material Pursuant to Section 240.

March 22, 2001 PRE 14A

OCONEE FINANCIAL CORPORATION NOTICE OF ANNUAL MEETING OF SHAREHOLDERS TO BE HELD ON MAY 7, 2001 OCONEE FINANCIAL CORPORATION PROXY STATEMENT PROPOSAL NO. 1 Election Of Directors PROPOSAL NOS. 2-7 Amendments To the Bylaws of the Corporation PROPOSAL N

Oconee Financial Corporation Preliminary Proxy SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant /X/ Filed by a Party other than the Registrant // Check the appropriate box: /X/ Preliminary Proxy Statement // Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) // Definitive Proxy Statement // Definitive Additional Materials // Soliciting Material Pursuant to Section 240.

March 22, 2001 PRE 14A

OCONEE FINANICAL CORPORATION PRE. NOTICE & PROXY

SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant Filed by a Party other than the Registrant Check the appropriate box: Preliminary Proxy Statement Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(6)(2)) Definitive Proxy Statement Definitive Additional Materials Soliciting Material Under Rule 14a-12 Oconee Financial Corporation (Name of Registrant as Specified in its Charter) N/A (Name of Person(s) Filing Proxy Statement, if other than the Registrant) Payment of Filing Fee (Check the appropriate box): No fee required.

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