U.S. SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                  FORM 10-KSB
                                AMENDMENT NO. 1

(Mark  One)

[X]  Annual  report  pursuant  to  Section  13  or  15(d)  of  the  Securities
     Exchange  Act  of  1934

For fiscal year ended DECEMBER 31, 2003.
                      ------------------

[ ]  Transition  report  under  Section  13  or 15(d) of the Securities Exchange
     Act  of  1934

     For  the  transition  period  from            to
                                        ----------    ----------

     Commission  file  number  001-16413
                               ---------

                            NBOG BANCORPORATION, INC.
                            -------------------------
                 (Name of small business issuer in its charter)

              GEORGIA                                         58-2554464
---------------------------------------           ------------------------------
  (State  or other jurisdiction of                         (I.R.S. Employer
  incorporation  or  organization)                        Identification No.)

 807  DORSEY  STREET,  GAINESVILLE,  GEORGIA                       30501
--------------------------------------------------------------------------------
(Address of Principal Executive Offices)                         (Zip Code)

Securities registered pursuant to Section 12(b) of the Act:  NONE.

Securities registered pursuant to Section 12(g) of the Act:  COMMON STOCK, NO
                                                             PAR VALUE.

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

Check  if there is no disclosure of delinquent filers in response to Item 405 of
Regulation  S-B  is  not  contained  in  this  form,  and  no disclosure will be
contained,  to  the  best  of  registrant's  knowledge, in definitive proxy or a
information statements incorporated by reference in Part III of this Form 10-KSB
or  any  amendment  to  this  Form  10-KSB. [X]

The issuer's net income for the year ended December 31, 2003 was $979,447.

State the aggregate market value of the voting and non-voting common equity held
by non-affiliates computed by reference to the price at which the stock was
sold, or the average bid and asked prices of such common equity, as of a
specified date within the past 60 days:   THE ESTIMATED AGGREGATE MARKET VALUE
OF THE COMMON STOCK HELD BY NON-AFFILIATES OF THE COMPANY ON MARCH 1, 2004 IS
$4,717,540.00.  THERE IS NO ACTIVE TRADING MARKET FOR THE COMPANY'S COMMON STOCK
AND IT IS NOT POSSIBLE TO IDENTIFY PRECISELY THE MARKET VALUE OF THE COMMON
STOCK.  THE ESTIMATED AGGREGATE MARKET VALUE OF THE COMMON STOCK HELD BY
NON-AFFILIATES IS BASED ON $10.00 PER SHARE, WHICH WAS THE OFFERING PRICE FOR
91,168 SHARES OF COMMON STOCK SOLD BY THE COMPANY ON DECEMBER 31, 2003 THROUGH A
PRIVATE PLACEMENT.  THE COMPANY IS UNAWARE OF THE SALES PRICE OF ANY TRADES IN
THE COMPANY'S COMMON STOCK SINCE DECEMBER 31, 2003.


<PAGE>
                    APPLICABLE ONLY TO CORPORATE REGISTRANTS

State the number of shares outstanding of each of the issuer's classes of common
equity, as of the latest practicable date.   746,890 SHARES, NO PAR VALUE COMMON
STOCK, AS OF MARCH 1, 2004.

                       DOCUMENTS INCORPORATED BY REFERENCE

Portions of the Annual Report to Shareholders for the fiscal year ended December
31, 2003 are incorporated by reference into Part II.

     Transitional Small Business Disclosure format (check one):  Yes      No  X
                                                                     ---     ---

                                EXPLANATORY NOTE

     This Amendment on Form 10-KSB/A constitutes Amendment No. 1 to the
registrant's Annual Report on Form 10-KSB for the period ended December 31,
2003, which was filed with the SEC on April 14, 2004.  The purpose of this
Amendment No. 1 is to provide the information previously incorporated by
reference to portions of the Registrant's Proxy Statement for the Annual Meeting
of Shareholders, originally scheduled to be held on May 19, 2004.  The
Registrant's Annual Meeting of Shareholders is currently expected to be held in
July, 2004.

   CAUTIONARY STATEMENT FOR PURPOSES OF THE PRIVATE SECURITIES LITIGATION REFORM
                                  ACT OF 1995.

     This report contains "forward-looking statements" relating to, without
limitation, future economic performance, plans and objectives of management for
future operations, and projections of revenues and other financial items that
are based on the beliefs of management, as well as assumptions made by and
information currently available to management.  The words "may," "will,"
"anticipate," "should," "would," "believe," "contemplate," "expect," "estimate,"
"continue," and "intend," as well as other similar words and expressions of the
future, are intended to identify forward-looking statements.  Our actual results
may differ materially from the results discussed in the forward-looking
statements, and our operating performance each quarter is subject to various
risks and uncertainties that are discussed in detail in our filings with the
Securities and Exchange Commission, including, without limitation:

     -    the  effects  of  future  economic  conditions;

     -    governmental  monetary and fiscal policies, as well as legislative and
          regulatory  changes;

     -    changes  in  interest  rates  and  their  effect  on  the  level  and
          composition  of  deposits,  loan  demand,  and  the  values  of  loan
          collateral,  securities  and  other  interest-sensitive  assets  and
          liabilities;

     -    our  ability  to  control costs, expenses, and loan delinquency rates;
          and

     -    the  effects  of  competition  from  other  commercial banks, thrifts,
          mortgage  banking  firms,  consumer  finance companies, credit unions,
          securities  brokerage  firms,  insurance  companies,  money market and
          other  mutual  funds and other financial institutions operating in our
          market  area  and  elsewhere,  including  institutions  operating
          regionally,  nationally,  and  internationally,  together  with  such
          competitors offering banking products and services by mail, telephone,
          computer  and  the  Internet.


                                        2
<PAGE>
                                    PART III

ITEM 9.   DIRECTORS, EXECUTIVE OFFICERS, PROMOTERS AND CONTROL PERSONS;
          COMPLIANCE WITH SECTION 16(A) OF THE EXCHANGE ACT.

DIRECTORS

     The Company's Board of Directors consists of 11 members and is divided into
three classes.  Each class of directors serves a staggered three-year term.  The
term of each class expires at the annual meeting in the years indicated below
and upon the election and qualification of the director's successor.  The
following table shows for each director:  (a) his or her name; (b) his or her
age at December 31, 2003; (c) how long he or she has been a director of the
Company; (d) his or her position(s) with the Company, other than as a director;
and (e) his principal occupation and business experience for the past five
years.  Each of the directors listed below is also a director of the National
Bank of Gainesville.

<TABLE>
<CAPTION>
                                DIRECTOR  POSITION WITH THE COMPANY
NAME (AGE)                       SINCE    AND BUSINESS EXPERIENCE
----------                       -----    -----------------------
<S>                             <C>       <C>
CLASS I DIRECTORS:
(Term Expiring 2004)

Ann M. Palmour* (66)                2000  Chairman of the Company; Owner of Palmour Properties (a
                                          real estate development company) since 1976.

Dr. Wendell A. Turner (46)          2001  Medical doctor, Lanier OB-GYN Associates since 1986.

Dr. John C. McHugh (48)             2002  Urologist at Northeast Georgia Urologic Associates, PC.

CLASS II DIRECTORS:
(Term Expiring 2005)

Paula M. Allen (64)                 2000  Principal of Allen & Associates, Inc. (a real estate
                                          investment and management company) since 1973.

J. Darwin Allison, Jr. (47)         2000  Vice-Chairman of the Company; President and CEO of A-1
                                          Vaccinating, Inc. (a poultry vaccinating company) since 1979.

Shelley Palmour Anderson* (38)      2000  Treasurer of the Company; President and sole owner of
                                          Shelly Palmour Insurance Agency since 1990.

Dr. Roger P. Martin (59)            2001  Medical doctor and senior partner and founder of Lanier
                                          OB-GYN Associates since 1978.


                                        3
<PAGE>
                                DIRECTOR  POSITION WITH THE COMPANY
NAME (AGE)                       SINCE    AND BUSINESS EXPERIENCE
----------                       -----    -----------------------

CLASS III DIRECTORS:
(Term Expiring 2006)

Kathy L. Cooper  (42)               2000  Secretary of the Company; President of Cooper Family
                                          Enterprises (owns and operates two poultry operations, a
                                          cattle farm, a Christmas tree farm/trim shop, a grading
                                          company, several rental properties) since 1985; Associate
                                          Broker with Southern Heritage Land Co.

Anne L. Davenport (43)              2000  Vice President of Matthews Printing Company since 1984.

Lanny W. Dunagan (52)               2002  Sole owner of Lanny Dunagan's Welding Service since 1985.

Gilbert T. Jones, Sr. (66)                Sole owner of Great Southern Resource & Investment, Inc.
                                    2000  (a development and construction company) since 1985.
<FN>
_____________________________
* Ann M. Palmour is the mother of Shelley Palmour Anderson.
</TABLE>

EXECUTIVE OFFICERS

     The following table shows for each executive officer of the Company:  (a)
his or her name; (b) his or her age at December 31, 2003; (c) how long he or she
has been an officer of the Company; and (d) his or her positions with the
Company and the Bank:

<TABLE>
<CAPTION>
                        OFFICER  POSITION WITH THE COMPANY
NAME (AGE)               SINCE   AND BUSINESS EXPERIENCE
----------               -----   -----------------------
<S>                     <C>      <C>
R. Allen Smith (64)        2004  Interim President and Chief Executive Officer of the Company
                                 since April 6, 2004.

Holly R. Hunt (45)         2001  First Vice President and Chief Financial Officer of the
                                 Company; Chief Financial Officer of The Citizens Bank of
                                 Forsyth County in Cumming, GA, 1998-2001; 20 years of
                                 bank experience in management of internal audit and
                                 accounting departments.
</TABLE>

     On April 6, 2004, Gary H. Anderson, the former president and chief
executive officer of the Company, resigned his positions with the Company and
the Bank.  Upon Mr. Anderson's resignation, the Board of Directors appointed R.
Allen Smith to serve as the Company's Interim president and chief executive
officer while the Board conducts a search for a candidate to permanently fill
the position.  Mr. Smith is also serving as the president and chief executive
officer of the Bank on an interim basis.

     Prior to his retirement in 1997, Mr. Smith served as an Associate Examiner
in the Division of Supervision and a Credit Officer/Managing Agent in the
Division of Liquidation of the Federal Deposit Insurance Corporation from 1990
to 1997.  Mr. Smith was President and Chief Executive Officer of Habersham
Bancorp from 1981 to 1989, a Senior Vice President of Habersham Bancorp from
1979 to 1981, and Vice President of North Carolina National Bank from 1972 to
1979.


                                        4
<PAGE>
SECTION 16(a) BENEFICIAL OWNERSHIP REPORTING COMPLIANCE

     Section 16(a) of the Securities Exchange Act of 1934 requires the Company's
directors and executive officers and persons who own beneficially more than 10%
of the Company's outstanding common stock to file with the Securities and
Exchange Commission initial reports of ownership and reports of changes in their
ownership of the Company's common stock. Directors, executive officers and
greater than 10% shareholders are required to furnish the Company with copies of
the forms they file. To our knowledge, based solely on a review of the copies of
these reports furnished to the Company, all of our directors and executive
officers, except as noted, complied with all applicable Section 16(a) filing
requirements during 2003. Paula Allen, Gary Anderson, Lanny Dunagan, Holly Hunt
and John McHugh each filed one late report reporting one transaction.

CODE OF ETHICS

     The Company has adopted a Code of Ethics that applies to the Company's
Chief Executive Officer and Chief Financial and Accounting Officer.  The Company
will provide a copy of the Code of Ethics free of charge to any shareholder upon
written request to the Company.

ITEM 10.  EXECUTIVE COMPENSATION.

COMPENSATION OF EXECUTIVE OFFICERS

     The following table sets forth information concerning the annual and
long-term compensation for services in all capacities to the Company for the
fiscal years 2003, 2002 and 2001 for our President and Chief Executive Officer.
No other executive officer received a combined payment of salary and bonus in
excess of $100,000 for services rendered to the Company during 2003.

<TABLE>
<CAPTION>
SUMMARY COMPENSATION TABLE

                         Annual Compensation    Long-Term Compensation
                        ----------------------  ----------------------
                                                      Number of
                                                      Securities
     Name and Position     Year     Salary ($)    Underlying Options
     -----------------     ----     ----------    ------------------
<S>                        <C>      <C>           <C>
     Gary H. Anderson,     2003        136,963           12,000*
     President and CEO     2002        133,400                0
                           2001        105,000                0
<FN>
     _______________
     *    On April 6, 2004, Mr. Anderson resigned his position as president and
          chief  executive officer. Upon Mr. Anderson's resignation, the options
          reflected  above  were  forfeited.
</TABLE>

     We have omitted information on "perks" and other personal benefits because
the aggregate value of these items does not meet the minimum amount required for
disclosure under the Securities and Exchange Commission's regulations.


                                        5
<PAGE>
EMPLOYMENT AGREEMENT

     On August 22, 2000, the Company entered into an employment agreement with
Mr. Anderson regarding his employment as the President and Chief Executive
Officer of the Company.  On April 6, 2004, Mr. Anderson resigned from his
positions with the Company.  Upon Mr. Anderson's resignation, the employment
agreement was terminated.  Under the terms of the employment agreement, Mr.
Anderson's annual salary for 2003 was set at $136,963.  Additionally, during
2003, Mr. Anderson received stock options to purchase 12,000 shares of the
Company's common stock at $12.00 per share, a car allowance of $500 per month
and other customary benefits commensurate with his position and
responsibilities.  As a result of Mr. Anderson's resignation, the stock options
awarded to Mr. Anderson in 2003 expired without becoming exercisable.

     As a result of Mr. Anderson's resignation, he is not entitled to any
severance payment under the terms of the employment agreement.  However, in
consideration of the contributions that Mr. Anderson has made to the Company and
The National Bank of Gainesville since their organization, the Company has
agreed to a lump sum payment to Mr. Anderson of approximately $44,765, which
includes the payment of approximately $11,190 related to accrued but unused
vacation.

DIRECTOR COMPENSATION

     The directors of the Company and the Bank will not be compensated
separately for their services as directors until net profits of the Company and
the Bank exceed the Company's net losses since inception on a cumulative basis.

OPTION GRANTS IN LAST FISCAL YEAR

     The following table provides details regarding stock options granted in
2003 to the executive officers listed in the above Summary Compensation Table.
The options described below vest in one-fifth annual increments beginning on
June 11, 2004.

<TABLE>
<CAPTION>
                                       Individual Option Grants
                                             % of Total
                                               Options
                                Securities   Granted to   Exercise
                                Underlying    Employees    or Base
                       Date of    Options     in Fiscal     Price    Expiration
     Name               Grant   Granted (#)   Year (%)     ($/Sh)       Date
     ----               -----   -----------   --------     ------       ----
<S>                    <C>      <C>          <C>          <C>        <C>
     Gary H. Anderson  6/11/03       12,000          60%      10.00    7/7/2004
</TABLE>

     The stock options reflected in the table above vest in one-fifth annual
increments following each of the five full years of Mr. Anderson's service to
the Company or the Bank completed after the grant date.  Since Mr. Anderson
resigned on April 6, 2004, prior to completing a full year of service after the
grant date, none of the shares subject to the option will vest and the option
will expire without becoming exercisable.

FISCAL YEAR-END OPTION VALUES

     The following table sets forth information at December 31, 2003 concerning
stock options held by the executive officers listed in the above Summary
Compensation Table.  The listed executive officers


                                        6
<PAGE>
did not exercise any options to purchase common stock of the Company during
2003.  We have not granted any stock appreciation rights, restricted stock or
stock incentives other than stock options.

<TABLE>
<CAPTION>
                          Number of Securities         Value of Unexercised
                               Underlying           In-the-Money Options1 at
                          Unexercised Options           December 31, 2003
     Name              Exercisable  Unexercisable  Exercisable   Unexercisable
     ----              -----------  -------------  ------------  -------------
<S>                    <C>          <C>            <C>           <C>
     Gary H. Anderson            0         12,000         - 0 -          - 0 -
<FN>
_______________
1    There  is  no  active  trading  market  for the Company's common stock. The
     in-the-money  value of the options was based on a value equal to $10.00 per
     share,  which  was the offering price for 91,168 shares sold by the Company
     on  December 31, 2003 through a private placement. Since the exercise price
     of  the  options  is  $10.00  per  share, the options are not in-the-money.
</TABLE>

ITEM 11.  SECURITY  OWNERSHIP  OF  CERTAIN BENEFICIAL OWNERS AND MANAGEMENT.

     The following table sets forth the number of shares of the Company's common
stock beneficially owned as of March 31, 2004 by (a) each director and executive
officer of the Company and (b) all executive officers and directors, as a group.
The information shown below is based upon information furnished to the Company
by the named persons.  Unless otherwise indicated, each person is the record
owner and has sole voting and investment power with respect to his or her
shares.  Other than the directors and executive officers listed below, we are
unaware of any holder of more than 5% of the Company's common stock.
Additionally, the address of each person is 807 Dorsey Street, Gainesville,
Georgia 30501.

     Information relating to beneficial ownership of the Company is based upon
"beneficial ownership" concepts set forth in the rules promulgated under the
Securities Exchange Act.  Under these rules a person is deemed to be a
"beneficial owner" of a security if that person has or shares "voting power,"
which includes the power to vote or to direct the voting of a security, or
"investment power," which includes the power to dispose or to direct the
disposition of a security.  Under the rules, more than one person may be deemed
to be a beneficial owner of the same securities.  A person is also deemed to be
a beneficial owner of any security as to which that person has the right to
acquire beneficial ownership within sixty (60) days of March 31, 2004.


                                        7
<PAGE>
<TABLE>
<CAPTION>
                                           SHARES SUBJECT TO OPTIONS AND WARRANTS

                                          WARRANTS
                                             AND         TOTAL
                                           OPTIONS       NUMBER
                                         EXERCISABLE   OF SHARES
                               NUMBER      WITHIN     BENEFICIALLY  PERCENT
NAME OF BENEFICIAL OWNER      OF SHARES    60 DAYS       OWNED      OF CLASS  NATURE OF OWNERSHIP
------------------------      ---------    -------       -----      --------  -------------------
<S>                           <C>        <C>          <C>           <C>       <C>
Paula M. Allen                   17,500        8,333        25,833       3.4

J. Darwin Allison, Jr.           20,000       13,333        33,333       4.4

Shelley Palmour Anderson         10,100        6,733        16,833       2.2

Kathy L. Cooper                  10,500        6,667        17,167       2.3  Includes 500 shares held in an IRA for the
                                                                              benefit of Ms. Cooper and 500 shares held in
                                                                              an IRA for the benefit of her spouse.

Anne L. Davenport                10,300        6,733        17,033       2.3  Includes 200 shares as custodian for her
                                                                              children.

Lanny W. Dunagan                 20,500        6,667        27,167       3.6  Includes 500 shares owned jointly with his
                                                                              son.

Gilbert T. Jones, Sr.            31,300       20,533        51,833       6.8  Includes 500 shares held as custodian for his
                                                                              grandchildren.

Roger P. Martin                  43,100       20,400        63,500       8.3  Includes 30,600 shares held by Lanier OB-
                                                                              GYN Associates Profit Sharing Trust for the
                                                                              benefit of Roger P. Martin and 12,500 shares
                                                                              held by Wahoo Calc, LLC.

John C. McHugh                   30,000       10,000        40,000       5.3  Includes 15,000 held in an IRA for the benefit
                                                                              of John C. McHugh.

Ann M. Palmour                   25,036       13,357        38,393       5.1  Includes 36 shares held in an IRA for the
                                                                              benefit of Ann M. Palmour.

Wendell A. Turner                42,600       27,733        70,333       9.1  Includes 42,600 shares held by Lanier OB-
                                                                              GYN Associates Profit Sharing Trust for the
                                                                              benefit of Wendell A. Turner.

Holly R. Hunt                     2,200        1,667         3,867       0.5  Includes 200 shares held as custodian for her
                                                                              child.

ALL DIRECTORS AND EXECUTIVE
OFFICERS AS A GROUP             263,136      142,156       405,292      45.6
(12 PERSONS)
</TABLE>

     The table below sets forth information regarding shares of the Company's
common stock authorized for issuance under the following the Company equity
compensation plans or agreements:


                                        8
<PAGE>
     -    the NBOG Bancorporation, Inc. 2003 Stock Incentive Plan;

     -    the NBOG Bancorporation Bancshares, Inc. Non-qualified Stock Option
          Agreement  with  John  Thompson;  and

     -    NBOG Bancorporation Warrant Agreements with certain directors of the
          Company.

     The Stock Incentive Plan was approved by shareholders on May 29, 2003.
None of the other equity compensation plans or agreements listed above have been
approved by the Company's shareholders.  Each of those plans or agreements is
described below.

<TABLE>
<CAPTION>
                                                                                       Number of securities
                                                                                        remaining available
                                                                                        for future issuance
                                                                                         under the equity
                                           Number of securities                         compensation plans
                                            to be issued upon      Weighted-average      (excluding shares
                                               exercise of        exercise price of         subject to
                                           outstanding options   outstanding options   outstanding options)
------------------------------------------------------------------------------------------------------------
<S>                                        <C>                   <C>                   <C>
Equity compensation plans approved by
security holders                                         82,000  $              10.00                 43,000

Equity compensation plans not approved by
security holders                                        200,736  $              10.00                      -

Total
</TABLE>

     NON-QUALIFIED STOCK OPTION AGREEMENT WITH JOHN THOMPSON.  On December 13,
2001, Mr. Thompson, a former officer of the bank, was granted an option to
purchase 1,000 shares of the Company's common stock at an exercise price of
$10.00 per share.  The option is fully vested and expires on October 31, 2005 if
not exercised.

     WARRANT AGREEMENTS WITH CERTAIN OF THE COMPANY'S DIRECTORS.  On March 25,
2002 the Company issued warrants to its directors  to purchase an aggregate of
199,736 shares of the Company's common stock at an exercise price of  $10.00 per
share.  The warrants become exercisable in one-third annual increments beginning
on the first anniversary of the issuance date, provided that throughout the
period beginning on the date of the initial issuance of the warrants and ending
on the particular anniversary, the warrant holder has served continuously as a
director of the Company and the Bank and has attended at least 75% of the
meetings of the relevant boards of directors.  Warrants which fail to vest as
provided in the previous sentence will expire and no longer be exercisable.
Exercisable warrants will generally remain exercisable for the ten-year period
following the date of issuance.  The exercise price of each warrant is subject
to adjustment for stock splits, recapitalizations or other similar events.

ITEM 12.  CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS.

     The Company's directors and officers, and the businesses and other
organizations with which they are associated, from time to time may have banking
transactions in the ordinary course of business with the Bank.  The Bank's
policy is that any loans or other commitments to those persons or entities be
made in accordance with applicable law and on substantially the same terms,
including interest rates and collateral, as those prevailing at the time for
comparable transactions with other persons or entities of


                                        9
<PAGE>
similar standing.  All transactions with affiliates must be on terms no less
favorable than could be obtained from an unaffiliated third party and must be
approved by a majority of directors including a majority of disinterested
directors.

     In addition, each loan by the Bank to any officer, director or controlling
person of the Bank or any of its affiliates may be made only in compliance with
the following conditions:

     The loan:

     -    must be evidenced by a promissory note naming the Bank as payee and
          must contain an annual percentage rate which is reasonably comparable
          to that normally charged to non-affiliates by other commercial lenders
          for similar loans made in the Bank's locale;

     -    must be repaid according to appropriate amortization schedules and
          contain default provisions comparable to those normally used by other
          commercial lenders for similar loans made to non-affiliates in the
          Bank's locale;

     -    must be made only if credit reports and financial statements, or other
          reasonable investigation appropriate in light of the nature and terms
          of the loan and which meet the loan policies normally used by other
          commercial lenders for similar loans made to non-affiliates in the
          Bank's locale, show the loan to be collectible and the borrower a
          satisfactory credit risk; and

     -    the purpose of the loan and the disbursement of proceeds are reviewed
          and monitored in a manner comparable to that normally used by other
          commercial lenders for similar loans made in the Bank's locale.

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

     A.   EXHIBITS.

<TABLE>
<CAPTION>
Exhibit
Number    Description
------    -----------
<C>       <S>
31.1      Certification pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.

32.1      Certification pursuant to 18 U.S.C. Section 1350 as adopted pursuant to Section 906 of
          the Sarbanes-Oxley Act of 2002
</TABLE>

     B.   REPORTS ON FORM 8-K.

     The Company filed no reports on Form 8-K during the fourth quarter of the
fiscal year ended December 31, 2003.

ITEM 14.  PRINCIPAL ACCOUNTANT FEES AND SERVICES.

     The Company has selected the accounting firm of Porter Keadle Moore, LLP to
serve as independent accountants of the Company for the fiscal year ending
December 31, 2004.  Porter Keadle Moore has served as the Company's independent
accounting firm since March 2002.


                                       10
<PAGE>
     The following table sets forth the fees billed to the Company for the years
ended December 31, 2003 and 2002 by Porter Keadle Moore:

<TABLE>
<CAPTION>
                                              2003     2002
                                             -------  ------
<S>                                          <C>      <C>
          Audit fees                         $41,144   7,377
          Audit-related fees                  28,750  17,500
          Tax fees                             3,400       0
          All other fees                         765     925
                                             -------  ------
             Total Fees                      $74,059  25,802
                                             =======  ======
</TABLE>

AUDIT FEES

     Audit  fees  represent  fees billed by Porter Keadle Moore for professional
services  rendered  in  connection  with  the  (1) audit of the Company's annual
financial  statements  for  2003  and  2002,  and  (2)  review  of the financial
statements included in the Company's quarterly filings on Form 10-QSB and annual
filings  on  Form  10-KSB.

AUDIT-RELATED FEES

     Audit-related  fees  represent  fees for professional services rendered for
assurance  and  related  services  reasonably  related to the performance of the
audit or review of the Company's financial statements and not included in "Audit
Fees"  above.  Audit-related  fees  are  primarily  for  internal audit and loan
review  services.

TAX FEES

     Tax fees represent the aggregate fees billed in each of the last two fiscal
years  for  professional  services  rendered  by  Porter  Keadle  Moore  for tax
compliance,  tax  advice,  and  tax  planning.

ALL OTHER FEES

      All other fees represent fees associated with fixed asset accounting in
2002 and fixed asset accounting and attendance at quarterly audit committee
meetings in 2003.

     The fees billed by Porter Keadle Moore are pre-approved by the Audit
Committee of the Company in accordance with the policies and procedures for the
Audit Committee.  The Audit Committee pre-approves all audit and non-audit
services provided by the Company's independent auditors and may not engage the
independent auditors to perform any prohibited non-audit services.  For 2003,
100% of the fees incurred were pre-approved.


                                       11
<PAGE>
                                   SIGNATURES

In accordance with Section 13 or 15(d) of the Exchange Act, the Registrant has
duly caused this report to be signed on its behalf by the undersigned, thereunto
duly authorized.

                                    NBOG BANCORPORATION, INC.

                                    By:  /s/  Holly R. Hunt
                                       --------------------------------
                                    Holly R. Hunt,
                                    Chief Financial Officer

                                    Date:  April 28, 2004


                                       12
<PAGE>
<TABLE>
<CAPTION>
                                         EXHIBIT INDEX


Exhibit
Number   Description
-------  -----------
<C>      <S>
31.1     Certification pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.

32.1     Certification pursuant to 18 U.S.C. Section 1350 as adopted pursuant to Section 906 of
         the Sarbanes-Oxley Act of 2002
</TABLE>


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