SECURITIES AND EXCHANGE COMMISSION
                      Washington, D.C. 20549
                           FORM 10-KSB\A

/x/      Annual Report Pursuant to Section 13 or 15(d) of
               The Securities Exchange Act of 1934

           For the Fiscal Year Ended December 31, 1996

/ /    Transition Report Pursuant to Section 13 or 15(d) of
               The Securities Exchange Act of 1934

                  Commission File Number 0-17851

                   Bank Corporation of Georgia
      ------------------------------------------------------
      (Exact name of registrant as specified in its charter)

            Georgia                        58-1406233
   ------------------------------     -------------------
  (State or other jurisdiction of       (I.R.S. Employer
   incorporation or organization)     Identification No.)

             4951 Forsyth Road, Macon, Georgia 31210  
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       (Address of principal executive office)   (Zip Code)

Registrant's telephone number, including area code:  (912) 757-2000

Securities registered pursuant to Section 12(g) of the Act: 
Common Stock, $1.00 par value per share

     Check whether the Registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities
Exchange Act of 1934 during the preceding 12 months (or for such
shorter period that the Registrant was required to file such
reports), and (2) has been subject to such filing requirements
for the past 90 days.  Yes  X       No
                          ----        ----

    Check if disclosure of delinquent filers pursuant to
Item 405 of Regulation S-K is not contained herein and will not
be contained, to the best of registrant's knowledge, in
definitive proxy or information statements incorporated by
reference in Part III of this Form 10-KSB or any amendment to
this Form 10-KSB.  /X/

     State issuer's revenues for its most recent fiscal year. 
$27,445,780.

     Transitional Small Business Disclosure format.  Yes  No  X  

     State aggregate market value of the voting stock held by
non-affiliates (which for purposes hereof are all holders other
than executive officers and directors) computed by reference to
the price at which the stock was sold or the average bid and
asked prices of such stock as of March 19, 1997:  $24,046,800.

     At March 19, 1997, there were issued and outstanding
2,268,097 shares of Common Stock, par value $1.00 per share.

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ITEM 13.  EXHIBITS AND REPORTS ON FORM 8-K.

          (a)  Financial Statements.
               --------------------
          The following financial statements and notes thereto of
the Registrant were filed in the Registrant's Form 10-KSB
previously filed with the Commission.

          Exhibits.
          ----------
          The following exhibits are required to be filed with
this Report by Item 601 of Regulation S-K:
<PAGE>
          Exhibits                      Description of Exhibit

          2.1  --           Agreement and Plan of Reorganization
                            by and between BCG and Effingham,
                            dated July 13, 1995, filed as
                            Exhibit 2.1 to the Registrant's
                            Registration Statement on Form S-4,
                            Commission File No. 33-98300, filed
                            with the Commission on October 16,
                            1995, which Exhibit is by this
                            reference herein incorporated.


          2.2  --           Amendment Number One to Agreement
                            and Plan of Reorganization by and
                            between BCG and Effingham, dated
                            September 8, 1995, filed as Exhibit
                            2.2 to the Registrant's Registration
                            Statement on Form S-4, Commission
                            File No. 33-98300, filed with the
                            Commission on October 16, 1995,
                            which Exhibit is by this reference
                            herein incorporated.

          2.3  --           Amendment Number Two to Agreement
                            and Plan of Reorganization by and
                            between BCG and Effingham, dated
                            October 2, 1995, filed as Exhibit
                            2.3 to the Registrant's Registration
                            Statement on Form S-4, Commission
                            File No. 33-98300, filed with the
                            Commission on October 16, 1995,
                            which Exhibit is by this reference
                            herein incorporated.

          2.4  --           Amendment Number Three to Agreement
                            and Plan of Reorganization by and
                            between BCG and Effingham, dated
                            February 26, 1996, filed as Exhibit
                            2.8 to the Registrant's Registration
                            Statement on Form S-4, Commission
                            File No. 33-98300, filed with the
                            Commission on February 26, 1996,
                            which Exhibit is by this reference
                            herein incorporated.

          2.5  --           Agreement and Plan of Merger by and
                            between BCG and Americorp dated
                            November 15, 1995, filed as Exhibit
                            2.1 to the Registrant's Registration
                            Statement on Form S-4, Commission
                            File Number 33-65071, filed with the
                            Commission on December 15, 1995,
                            which Exhibit is by this reference
                            herein incorporated.
<PAGE>

           2.6  --           Agreement and Plan of Merger by and
                             between Effingham and Interim, dated
                             February 26, 1996, filed as Exhibit
                             2.9 to the Registrant's Registration
                             Statement on Form S-4, Commission
                             File No. 33-98300, filed with the
                             Commission on February 26, 1996,
                             which Exhibit is by this reference
                             herein incorporated.

           3.1  --           Articles of Incorporation of BCG, as
                             amended, filed as Exhibit 3.1 to the
                             Registrant's Registration Statement
                             on Form S-4, Commission File No. 33-
                             98300, filed with the Commission on
                             October 16, 1995, which Exhibit is
                             by this reference herein
                             incorporated.

           3.2  --           By-laws of BCG, incorporated by
                             reference from Exhibit 3.2 to the 10KSB for
                             the year ended December 31, 1995 previously
                             filed with the Commission which Exhibit is
                             by this reference herein incorporated.

           4.1  --           See exhibits 3.1 and 3.2 for
                             provisions of the Articles of
                             Incorporation and By-laws, as
                             amended, which define the rights of
                             the holders of Common Stock of BCG.

           10.1 --           Agreement dated December 10, 1993,
                             by and between Americorp and BCG,
                             filed as Exhibit 10.4 to the
                             Registrant's Registration Statement
                             on Form S-4, Commission File No. 33-
                             98300, filed with the Commission on
                             October 16, 1995, which Exhibit is
                             by this reference herein
                             incorporated.

           10.2 --           Lease Agreement dated November 16,
                             1988 by and among Michael A. Angle
                             and W. H. Anderson, II as Lessors
                             and FSB as Lessee, filed as Exhibit
                             10.5 to the Registrant's
                             Registration Statement on Form S-4,
                             Commission File No. 33-98300, filed
                             with the Commission on October 16,
                             1995, which Exhibit is by this
                             reference herein incorporated.

           10.3 --           Lease Addendum dated March 12, 1992
                             by and among Michael A. Angle and W.
                             H. Anderson, II as Lessors and FSB
                             as Lessee, filed as Exhibit 10.6 to
                             the Registrant's Registration
                             Statement on Form S-4, Commission
                             File No. 33-98300, filed with the
                             Commission on October 16, 1995,

                               -64-<PAGE>
                             which Exhibit is by this reference
                             herein incorporated.

           10.4 --           Sublease dated April 1, 1993 by and
                             among Michael A. Angle and W. H
                             Anderson, II as Lessors and FSB as
                             Lessee, filed as Exhibit 10.7 to the
                             Registrant's Registration Statement
                             on Form S-4, Commission File No. 33-
                             98300, filed with the Commission on
                             October 16, 1995, which Exhibit is
                             by this reference herein
                             incorporated.

           10.5 --           Agreement dated May 1, 1993 by and
                             between BCG and Stephen W. Doughty,
                             filed as Exhibit 10.8 to the
                             Registrant's Registration Statement
                             on Form S-4, Commission File No. 33-
                             98300, filed with the Commission on
                             October 16, 1995, which Exhibit is
                             by this reference herein
                             incorporated.(1)

           10.6 --           Agreement dated May 1, 1993 by and
                             between BCG and J. Thomas Wiley
                             filed as Exhibit 10.9 to the
                             Registrant's Registration Statement
                             on Form S-4, Commission File No. 33-
                             98300, filed with the Commission on
                             October 16, 1995, which Exhibit is
                             by this reference herein
                             incorporated.(1)

           10.7 --           Incentive Compensation Agreement
                             dated January 1, 1993 by and between
                             BCG and Stephen W. Doughty, filed as
                             Exhibit 10.10 to the Registrant's
                             Registration Statement on Form S-4,
                             Commission File No. 33-98300, filed
                             with the Commission on October 16,
                             1995, which Exhibit is by this
                             reference herein incorporated.(1)

           10.8 --           Incentive Compensation Agreement
                             dated January 1, 1993 by and between
                             BCG and J. Thomas Wiley, filed as
                             Exhibit 10.11 to the Registrant's
                             Registration Statement on Form S-4,
                             Commission File No. 33-98300, filed
                             with the Commission on October 16,
                             1995, which Exhibit is by this
                             reference herein incorporated.(1)

           10.9 --           BCG Key Employee Stock Option Plan,
                             filed as Exhibit 10.12 to the
                             Registrant's Registration Statement
                             on Form S-4, Commission File No. 33-
                             98300, filed with the Commission on
                             October 16, 1995, which Exhibit is
                             by this reference herein
                             incorporated.


                              -65-<PAGE>
           10.10     --      Revolving Credit and Term Loan
                             Agreement by and between BCG and
                             Liberty Savings Bank, FSB, dated
                             December 18, 1992, filed as Exhibit
                             10.13 to the Registrant's
                             Registration Statement on Form S-4,
                             Commission File No. 33-98300, filed
                             with the Commission on October 16,
                             1995, which Exhibit is by this
                             reference herein incorporated.

           10.11     --      Loan Commitment Letter from First
                             Liberty Bank to BCG dated October 5,
                             1995, filed as Exhibit 10.14 to the
                             Registrant's Registration Statement
                             on Form S-4, Commission File No. 33-
                             98300, filed with the Commission on
                             October 16, 1995, which Exhibit is
                             by this reference herein
                             incorporated.

           10.12     --      Stock Redemption Agreement by and
                             between BCG and Joseph W. Evans,
                             dated April 26, 1995, filed as
                             Exhibit 10.15 to the Registrant's
                             Registration Statement on Form S-4,
                             Commission File No. 33-98300, filed
                             with the Commission on October 16,
                             1995, which Exhibit is by this
                             reference herein incorporated.

           10.13     --      Branch Purchase and Assumption
                             Agreement dated October 18, 1995 by
                             and between Bank South and
                             Ameribank, N.A., filed as Exhibit
                             10.16 to the Registrant's
                             Registration Statement on Form S-4,
                             Commission File No. 33-65071, filed
                             with the Commission on December 15,
                             1995, which Exhibit is by this
                             reference herein incorporated.

           21        --      Subsidiaries of the Registrant incorporated
                             by reference from Exhibit 21 to the 10KSB for
                             the year ended December 31, 1996 previously
                             filed with the Commission which Exhibit is
                             by this reference herein incorporated.

           24        --      Power of Attorney (included on the
                             signature page to the Registration
                             Statement) incorporated by reference
                             from Exhibit 24 to the 10KSB for
                             the year ended December 31, 1996 previously
                             filed with the Commission which Exhibit is
                             by this reference herein incorporated.

          27        --       Financial Data Schedule (For SEC use only)
                             incorporated by reference from Exhibit 27 to
                             the 10KSB for the year ended December 31, 1996
                             previously filed with the Commission which
                             Exhibit is by this reference herein incorporated.

          99        --       Definitive Proxy Statement for the Annual Meeting
                             of Shareholders to be held on May 28, 1997.
_______________________
(1)   Compensatory Plan or Arrangement.

          (b)  Reports on Form 8-K.  No reports on Form 8-K were
filed during the last quarter of 1996.

<PAGE>
                            SIGNATURES

          The undersigned registrant hereby amends the following
items, financial statements, exhibits or other portions of its 1996
Annual Report on Form 10-KSB by adding Exhibit 99 - Proxy Statement.

          Pursuant to the requirements of Section 13 or 15(d) of
the Securities Exchange Act of 1934, the Registrant has duly
caused this Report on Form 10-KSB/A to be signed on its behalf by
the undersigned, thereunto duly authorized, in the City of Macon,
State of Georgia, on the 29th of April, 1997.

                                   BANK CORPORATION OF GEORGIA



                                   By:  /s/ Joseph W. Evans
                                        Joseph W. Evans
                                        President and Chief Executive Officer

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                          EXHIBIT INDEX


       Exhibit No.       Description
       ------------      -----------

           99            Definitive Proxy Statement for the Annual Meeting of
                         Shareholders to be held on May 28, 1997.