EXHIBIT 99.1

                NORTH GEORGIA COMMUNITY FINANCIAL PARTNERS, INC.
                             350 West Belmont Drive
                             Calhoun, Georgia 30701
                                 (706) 629-6499



                                 March 29, 2001



Dear  Shareholder:

     You  are  cordially  invited  to attend our annual meeting of shareholders,
which  will  be  held  at  the main office of North Georgia National at 350 West
Belmont  Drive,  Calhoun, Georgia, on Thursday, April 26, 2001, at 10:00 a.m.  I
sincerely  hope  that you will be able to attend the meeting, and I look forward
to  seeing  you.

     The attached notice of the annual meeting and proxy statement describes the
formal  business  to be transacted at the meeting.  At the meeting, we will also
report  on  our  operations during the past year and during the first quarter of
fiscal  year  2001,  as  well  as  our  plans  for  the  future.

     Please  take  this  opportunity  to become involved in the affairs of North
Georgia  Community.  Whether  or  not  you  expect to be present at the meeting,
please  mark,  date,  and  sign  the  enclosed proxy, and return it to us in the
envelope provided as soon as possible.  Returning the proxy will NOT deprive you
of  your  right  to  attend  the meeting and vote your shares in person.  If you
attend  the  meeting,  you  may  withdraw  your  proxy and vote your own shares.



                                        Sincerely,

                                        /s/  David  J.  Lance

                                        David  J.  Lance
                                        President


<PAGE>
                NORTH GEORGIA COMMUNITY FINANCIAL PARTNERS, INC.
                             350 West Belmont Drive
                             Calhoun, Georgia 30701
                                 (706) 629-6499




                  NOTICE OF THE ANNUAL MEETING OF SHAREHOLDERS
                            TO BE HELD APRIL 26, 2001


     The  annual  meeting  of  shareholders of North Georgia Community Financial
Partners,  Inc.  will be held on Thursday, April 26, 2001, at 10:00 a.m., at the
main  office  of  North  Georgia  National  at  350 West Belmont Drive, Calhoun,
Georgia,  for  the  following  purposes:

     (1)  To  elect  two  persons to serve as directors for a one-year term; and

     (2)  To transact any other business as may properly come before the meeting
          or  any  adjournments  of  the  meeting.

     The  board of directors has set the close of business on March 15, 2001, as
the  record date for determining the shareholders who are entitled to notice of,
and  to  vote  at,  the  meeting.

     We  hope  that  you  will  be able to attend the meeting.  We ask, however,
whether  or  not  you plan to attend the meeting, that you mark, date, sign, and
return  the  enclosed  proxy as soon as possible.  Promptly returning your proxy
will  help ensure the greatest number of shareholders are present at the meeting
in  person  or  by  proxy.

     If  you  attend  the  meeting  in  person, you may revoke your proxy at the
meeting  and  vote your shares in person.  You may revoke your proxy at any time
before  the  proxy  is  exercised.


                                        By Order of the Board of Directors,


                                        /s/  David  J.  Lance

                                        David  J.  Lance
                                        President

March  29,  2001


<PAGE>
                NORTH GEORGIA COMMUNITY FINANCIAL PARTNERS, INC.
                             350 West Belmont Drive
                             Calhoun, Georgia 30701
                                 (706) 629-6499

           __________________________________________________________

                     PROXY STATEMENT FOR 2001 ANNUAL MEETING
           __________________________________________________________


                                  INTRODUCTION

TIME  AND  PLACE  OF  THE  MEETING

     Our  board  of  directors  is furnishing this proxy statement in connection
with  its  solicitation of proxies for use at the annual meeting of shareholders
to  be  held  on  Thursday, April 26, 2001, at 10:00 a.m., at the main office of
North  Georgia  National at 350 West Belmont Drive, Calhoun, Georgia, and at any
adjournments  of  the  meeting.

RECORD  DATE  AND  MAILING  DATE

     The  close  of  business  on  March  15,  2001,  is the record date for the
determination  of shareholders entitled to notice of and to vote at the meeting.
We  first mailed this proxy statement and the accompanying proxy to shareholders
on  or  about  March  29,  2001.

NUMBER  OF  SHARES  OUTSTANDING

     As of the close of business on the record date, North Georgia Community had
authorized  10,000,000 shares of common stock, $5.00 par value, of which 904,167
shares were issued and outstanding.  Each issued and outstanding share of common
stock  is  entitled  to  one  vote  on  all  matters  presented  at the meeting.


                          VOTING AT THE ANNUAL MEETING

PROCEDURES  FOR  VOTING  BY  PROXY

     If  you  properly  sign,  return  and do not revoke your proxy, the persons
appointed  as  proxies  will  vote your shares according to the instructions you
have  specified  on  the  proxy.  If  you  sign and return your proxy but do not
specify how the persons appointed as proxies are to vote your shares, your proxy
will be voted FOR the election of the director nominees and in the best judgment
of  the  persons  appointed  as proxies as to all other matters properly brought
before the meeting.  If any nominee for election to the board of directors named
in  this  proxy  statement  becomes unavailable for election for any reason, the
proxy will be voted for a substitute nominee selected by the board of directors.


<PAGE>
     You  can  revoke your proxy at any time before it is voted by delivering to
David  J.  Lance,  president  of  North Georgia Community, at the main office of
North  Georgia  Community,  either  a  written revocation of the proxy or a duly
executed  proxy  bearing  a later date or by attending the meeting and voting in
person.

REQUIREMENTS  FOR  SHAREHOLDER  APPROVAL

     A  quorum  will  be present at the meeting if a majority of the outstanding
shares  of  common  stock  is  represented in person or by valid proxy.  We will
count  abstentions  and  broker  non-votes,  which  are  described  below,  in
determining  whether  a  quorum  exists.  Only those votes actually cast for the
election  of  a  director,  however, will be counted for purposes of determining
whether  a  particular director nominee receives sufficient votes to be elected.
To be elected, a director nominee must receive more votes than any other nominee
for the particular seat on the board of directors.  As a result, if you withhold
your  vote  as to one or more nominees, it will have no effect on the outcome of
the  election unless you cast that vote for a competing nominee.  At the present
time  we  do  not  know  of  any  competing  nominees.

     ABSTENTIONS.  A  shareholder  who  is  present in person or by proxy at the
annual  meeting  and  who  abstains  from voting on any or all proposals will be
included  in  the  number  of shareholders present at the annual meeting for the
purpose  of  determining  the presence of a quorum.  Abstentions do not count as
votes  in  favor  of  or  against  a  given  matter.

     BROKER  NON-VOTES.  Brokers  who  hold  shares  for  the  accounts of their
clients  may  vote  these shares either as directed by their clients or in their
own  discretion if permitted by the exchange or other organization of which they
are members.  Proxies that contain a broker vote on one or more proposals but no
vote  on  others  are  referred  to  as  "broker  non-votes" with respect to the
proposal(s)  not  voted  upon.  Broker non-votes are included in determining the
presence  of  a quorum.  A broker non-vote, however, does not count as a vote in
favor  of  or  against  a  particular  proposal  for  which  the  broker  has no
discretionary  voting  authority.

     Approval  of  any  other  matter  that  may properly come before the annual
meeting  requires  the  affirmative vote of a majority of shares of common stock
present  in  person or by proxy and entitled to vote on the matter.  Abstentions
and  broker non-votes will be counted in determining the minimum number of votes
required  for  approval  and will, therefore, have the effect of negative votes.

                             SOLICITATION OF PROXIES

     North  Georgia  Community will pay the cost of the proxy solicitation.  Our
directors,  officers and employees may, without additional compensation, solicit
proxies  by  personal  interview,  telephone, fax, or otherwise.  We will direct
brokerage  firms  or  other  custodians,  nominees or fiduciaries to forward our
proxy  solicitation  material  to  the beneficial owners of common stock held of
record  by  these  institutions  and  will  reimburse  them  for  the reasonable
out-of-pocket  expenses  they  incur  in  connection  with  this  process.


                                        2
<PAGE>
                        PROPOSAL:  ELECTION OF DIRECTORS

     The  board  of directors proposes that each nominee listed below be elected
as a director of North Georgia Community, to serve a one year term and until his
successor is elected and qualified.  The following table shows for each nominee:
(a)  his  name,  (b)  his  age  at December 31, 2000, (c) how long he has been a
director  of  North  Georgia  Community,  (d) his position(s) with North Georgia
Community, other than as a director, and (e) his principal occupation and recent
business  experience  for  the  past  five  years.

<TABLE>
<CAPTION>
                         DIRECTOR         POSITION WITH NORTH GEORGIA
NAME (AGE)                SINCE        COMMUNITY AND BUSINESS EXPERIENCE
-----------------------  --------  -----------------------------------------
<S>                      <C>       <C>
David J. Lance (46)          2000  President of North Georgia Community
                                   and President and Chief Executive
                                   Officer of North Georgia National Bank;
                                   previously President and Chief Executive
                                   Officer of First National Bank of
                                   Northwest Georgia, Calhoun, Georgia

Thomas M. Kinnamon (55)      2000  Secretary of North Georgia Community
                                   and Chairman of the Board of North
                                   Georgia National Bank; President of
                                   Accent Yarns & Textiles, Inc., Dalton,
                                   Georgia (yarn and textile manufacture
                                   and sales)
</TABLE>


                           RELATED PARTY TRANSACTIONS

     North  Georgia  Community and North Georgia National have banking and other
business  transactions  in  the  ordinary  course of business with directors and
officers  of  North  Georgia  Community  and  North  Georgia  National and their
affiliates,  including  members of their families, corporations, partnerships or
other  organizations  in  which  the  directors  and officers have a controlling
interest.  These  transactions  are  on  substantially the same terms (including
price,  interest  rate  and collateral) as those prevailing at the same time for
comparable  transactions  with unrelated parties.  In the opinion of management,
these transactions do not involve more than the normal risk of collectibility or
present  other  unfavorable features to North Georgia Community or North Georgia
National.


                                        3
<PAGE>
                               EXECUTIVE OFFICERS

     The  following  table  shows  for  each  executive officer of North Georgia
Community: (a) his or her name, (b) his or her age at December 31, 2000, (c) how
long  he  or  she has been an officer of North Georgia Community, and (d) his or
her  positions  with  North  Georgia  Community  and  North  Georgia  National:

<TABLE>
<CAPTION>
                                                POSITION WITH NORTH GEORGIA
NAME (AGE)                 OFFICER SINCE    COMMUNITY AND NORTH GEORGIA NATIONAL
-------------------------  -------------  ----------------------------------------

<S>                        <C>            <C>

David J. Lance (46)                 2000  President of North Georgia Community;
                                          President and Chief Executive Officer of
                                          North Georgia National Bank

Thomas M. Kinnamon (55)             2000  Secretary of North Georgia Community;
                                          Chairman of the Board of North Georgia
                                          National Bank


Rhonda C. Massengill (46)           2001  Chief Financial Officer of North Georgia
                                          Community; Chief Financial Officer and
                                          Corporate Secretary of North Georgia
                                          National Bank
</TABLE>


                         INDEPENDENT PUBLIC ACCOUNTANTS

     North  Georgia  Community  has  selected  the  accounting firm of Mauldin &
Jenkins,  LLC  to  serve as its principal accountants for the fiscal year ending
December  31,  2001.  A  representative of the firm is expected to be present at
the  meeting  and will be given the opportunity to make a statement if he or she
desires  to do so and will be available to respond to appropriate questions from
shareholders.


                                  OTHER MATTERS

     The board of directors of North Georgia Community knows of no other matters
that may be brought before the meeting.  If, however, any matters other than the
election  of  directors  or  matters to related to the election, should properly
come  before  the  meeting,  votes  will  be  cast  pursuant  to  the proxies in
accordance  with  the  best  judgment  of  the  proxyholders.

     Whether or not you can attend the meeting, please complete, sign, date, and
return  the  enclosed  proxy  promptly.  An  envelope has been provided for that
purpose.  No  postage  is
required  if  it  is  mailed  in  the  United  States.


                                        4
<PAGE>
                NORTH GEORGIA COMMUNITY FINANCIAL PARTNERS, INC.

                                      PROXY
                       SOLICITED BY THE BOARD OF DIRECTORS
                     FOR THE ANNUAL MEETING OF SHAREHOLDERS
                     TO BE HELD ON THURSDAY, APRIL 26, 2001

     The  undersigned  hereby  appoints  Rhonda  C.  Massengill  and  Thomas  M.
Kinnamon,  or  either  of  them,  as Proxies, each with the power to appoint his
substitute,  and  hereby  authorizes  them or either of them to represent and to
vote,  as  designated  below, all of the common stock of North Georgia Community
Financial  Partners,  Inc.,  which  the undersigned would be entitled to vote if
personally  present at the annual meeting of shareholders to be held at the main
office  of  North  Georgia National at 350 West Belmont Drive, Calhoun, Georgia,
and  at  any  adjournments of the annual meeting, upon the proposal described in
the  accompanying  Notice of the Annual Meeting and the Proxy Statement relating
to  the  annual  meeting,  receipt  of  which  are  hereby  acknowledged.

THE  BOARD  OF DIRECTORS RECOMMENDS THAT THE SHAREHOLDERS VOTE FOR THE PROPOSAL.

PROPOSAL:  To  elect the two (2) persons  listed  below  to  serve  as directors
           of North  Georgia  Community Financial Partners, Inc. for a one -year
           term:

           David  J.  Lance               Thomas  M.  Kinnamon

[ ]        FOR all nominees listed above (except as      [ ]  WITHHOLD authority
           to  vote  for  all  nominees
           indicated  below)                                  listed  above

INSTRUCTION:  To  withhold  authority  for any individual nominee, mark "FOR"
              above,  and  write  the  nominee's  name  in  this
              space____________________________________________________________.


     THIS  PROXY  WHEN PROPERLY EXECUTED WILL BE VOTED IN THE MANNER DIRECTED BY
THE  UNDERSIGNED  SHAREHOLDER.  IF NO DIRECTION TO THE CONTRARY IS INDICATED, IT
WILL  BE  VOTED  FOR  THE  PROPOSAL.

     DISCRETIONARY  AUTHORITY  IS HEREBY CONFERRED AS TO ALL OTHER MATTERS WHICH
MAY  COME  BEFORE  THE  ANNUAL  MEETING.

     If  stock  is  held  in  the name of more than one person, all holders must
sign.  Signatures  should correspond exactly with the name or names appearing on
the  stock  certificate(s).  When  signing as attorney, executor, administrator,
trustee  or  guardian, please give full title as such.  If a corporation, please
sign  in  full  corporate  name  by president or other authorized officer.  If a
partnership,  please  sign  in  partnership  name  by  authorized  person.


                                     ______________________________________
                                     Signature(s)  of  Shareholder(s)

[LABEL]
                                     ______________________________________
                                     Name(s)  of  Shareholders(s)

                                     Date: ________________________ ,  2001
                                          (Be sure to date your Proxy)

Please  mark,  sign  and  date  this  Proxy,  and  return  it  in  the  enclosed
return-addressed  envelope.  No  postage  necessary.

     I WILL ________   WILL NOT ________ ATTEND THE ANNUAL SHAREHOLDERS MEETING.


                     PLEASE RETURN PROXY AS SOON AS POSSIBLE
                     ---------------------------------------


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