EXHIBIT 99.1


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


                                 April 15, 2002


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 Tuesday, May 16, 2002, at 9:00 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 2002, 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,



                                         David  J.  Lance
                                         President


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                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 MAY 16, 2002


     The annual meeting of shareholders of North Georgia Community Financial
Partners, Inc. will be held on Tuesday, May 16, 2002, at 9:00 a.m., at the main
office of North Georgia National at 350 West Belmont Drive, Calhoun, Georgia,
for the following purposes:

     (1)  To  elect  David J. Lance and Thomas M. Kinnamon 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 11, 2002, 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,



                                       David  J.  Lance
                                       President

April 15, 2002


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

--------------------------------------------------------------------------------

                     PROXY STATEMENT FOR 2002 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 Tuesday, May 16, 2002, at 9:00 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 11, 2002, 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 April 15, 2002.

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 912,167
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.


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     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.


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                        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, 2001, (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.

                        DIRECTOR     POSITION WITH NORTH GEORGIA
NAME (AGE)              SINCE        COMMUNITY AND BUSINESS EXPERIENCE
----------              -----        ---------------------------------

David J. Lance (47)      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 (56)   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 manufacturing and sales)


                           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.


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                               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, 2001, (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 (47)             2000      President of North Georgia Community;
                                          President and Chief Executive Officer of
                                          North Georgia National Bank

Thomas M. Kinnamon (56)         2000      Secretary of North Georgia Community;
                                          Chairman of the Board of North Georgia
                                          National Bank


Rhonda C. Massengill (47)       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, 2002.  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.


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                NORTH GEORGIA COMMUNITY FINANCIAL PARTNERS, INC.

                                      PROXY
                       SOLICITED BY THE BOARD OF DIRECTORS
                     FOR THE ANNUAL MEETING OF SHAREHOLDERS
                       TO BE HELD ON TUESDAY, MAY 16, 2002

     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           [ ]  WITHHOLD authority to vote for
     (except as indicated below)                  all nominees 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:                         , 2002
                                   -------------------------
                                  (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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