<PAGE>
                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              Washington, DC 20549

                                   FORM 10-QSB

(Mark One)

[X]      QUARTERLY REPORT UNDER SECTION 13 or 15(d) OF THE
         SECURITIES EXCHANGE ACT OF 1934
         For the quarterly period ended September 30, 2002

[ ]      TRANSITION REPORT UNDER SECTION 13 or 15(d) OF THE
         SECURITIES EXCHABNGE EXCHANGE ACT OF 1934
         For the transition period from _______________ to ________________

                          Commission File No. 000-24043


                                 ebank.com, Inc.
--------------------------------------------------------------------------------
        (Exact Name of Small Business Issuer as Specified in its Charter)

             Georgia                                 58-2349097
             -------                                 ----------
     (State of Incorporation)           (I.R.S. Employer Identification No.)


            2410 Paces Ferry Road, Suite 190, Atlanta, Georgia 30339
                    (Address of Principal Executive Offices)

                                 (770) 863-9225
                (Issuer's Telephone Number, Including Area Code)

                                 Not Applicable

      (Former Name, Former Address and Former Fiscal Year, if Changed Since
                                  Last Report)

         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 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[ ]

         State the number of shares outstanding of each of the issuer's classes
of common equity, as of the latest practicable date:

         1,707,916 shares of common stock, par value $.01 per share, were issued
and outstanding as of October 29, 2002.

         Transitional Small Business Disclosure Format: Yes [ ]  No [X]


<PAGE>

                                 EBANK.COM, INC.
                      CONDENSED CONSOLIDATED BALANCE SHEETS

<TABLE>
<CAPTION>
                                                                                        September 30,        December 31,
                                                                                            2002                  2001
                                                                                        ------------         ------------
                                                                                         (Unaudited)           (Audited)
<S>                                                                                     <C>                  <C>
                                     ASSETS
Cash and due from banks                                                                 $    937,171         $    630,811
Interest earning deposits in banks                                                           131,096               73,624
Federal funds sold                                                                         4,582,000            3,601,000
                                                                                        ------------         ------------
Cash and cash equivalents                                                                  5,650,267            4,305,435
Securities held-to-maturity, fair value of $9,788,382 and $12,667,769,                     9,926,236           12,927,505
       Respectively
Other Securities                                                                             510,000              510,000
Loans, net of allowance for loan losses of $898,165 and                                   70,067,108           74,825,784
        $838,650, respectively
Premises and equipment, net                                                                  927,933            1,420,066
Accrued interest receivable                                                                  613,648              639,209
Goodwill                                                                                     941,250                 --
Other assets                                                                               1,303,218            1,629,084
                                                                                        ------------         ------------
               Total assets                                                             $ 89,939,660         $ 96,257,083
                                                                                        ============         ============
                                     LIABILITIES AND SHAREHOLDERS' EQUITY
LIABILITIES
Deposits                                                                                $ 72,592,580         $ 79,122,111
Accrued interest payable                                                                     163,742              203,985
Other borrowings                                                                           9,301,229            9,361,980
Other liabilities                                                                            350,341              167,997
                                                                                        ------------         ------------
               Total liabilities                                                          82,407,892           88,856,073
                                                                                        ------------         ------------

SHAREHOLDERS' EQUITY
Series A preferred stock, $.01 par value, 8% cumulative, convertible                          24,100               23,900
        into one share of common stock; 10,000,000 shares authorized;
        2,410,000 and 2,390,000 issued and outstanding;
        $286,522 and $413,270 accumulated undeclared dividends
Series B-1 cumulative preferred, 9% convertible into one share of                                768                   --
        common stock; $.01 par value; 76,792 shares authorized, issued
        and outstanding at September 30, 2002; $5,175 accumulated
        undeclared dividends at September 30, 2002
Series B-2 cumulative preferred, 9% convertible into one share of                                768                   --
        common stock; $.01 par value; 76,792 shares authorized, issued
        and outstanding at September 30, 2002; $5,175 accumulated
        undeclared dividends at September 30, 2002
Common stock, $.01 par value, 10,000,000 shares authorized,                                   17,080               14,693
        1,707,916 and 1,469,250 shares issued and outstanding
Capital surplus                                                                           19,585,891           19,060,376
Accumulated deficit                                                                      (12,006,839)         (11,607,959)
Accumulated other comprehensive loss                                                         (90,000)             (90,000)
                                                                                        ------------         ------------
               Total shareholders' equity                                                  7,531,768            7,401,010
                                                                                        ------------         ------------

               Total liabilities and shareholders' equity                               $ 89,939,660         $ 96,257,083
                                                                                        ============         ============
</TABLE>

        The accompanying notes are an integral part of these consolidated
                              financial statements


                                        2
<PAGE>

                                 EBANK.COM, INC.
                 CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS
                                   (UNAUDITED)

<TABLE>
<CAPTION>
                                                        For the three months ended         For the nine months ended
                                                        ---------------------------       ---------------------------
                                                               September 30,                     September 30,
                                                        ---------------------------       ---------------------------
                                                           2002             2001             2002             2001
                                                        ----------       ----------       ----------       ----------
<S>                                                     <C>              <C>              <C>              <C>
Interest income
   Loans, including fees .........................      $1,401,486       $1,647,434       $4,201,296       $5,110,482
   Interest-earning deposits .....................           3,058              227            5,330              704
   Investment securities:
      U.S. Government agencies and
      Corporations ...............................         169,862           33,107          569,795           40,712
   Other investments .............................           5,956            1,552           18,308            4,286
   Federal funds sold ............................           7,181           68,632           21,229          145,038
                                                        ----------       ----------       ----------       ----------
   Total interest income .........................       1,587,543        1,750,952        4,815,958        5,301,222
                                                        ----------       ----------       ----------       ----------
Interest expense
   Interest-bearing demand and money market ......         124,580          293,752          416,535          673,157
   Savings .......................................             858              562            2,427            1,927
   Time deposits of $100,000 or more .............         115,112          191,996          377,240          618,884
   Other time deposits ...........................         305,086          489,391          981,890        1,724,395
   Other borrowings ..............................          88,512            3,240          264,697           62,774
                                                        ----------       ----------       ----------       ----------
   Total interest expense ........................         634,148          978,941        2,042,789        3,081,137
                                                        ----------       ----------       ----------       ----------
Net interest income ..............................         953,395          772,011        2,773,169        2,220,085
Provision for loan losses ........................              --               --          108,719               --
                                                        ----------       ----------       ----------       ----------
Net interest income after provision
   for loan losses ...............................         953,395          772,011        2,664,450        2,220,085
                                                        ----------       ----------       ----------       ----------
Other income .....................................         228,634           40,606          729,338          225,974
                                                        ----------       ----------       ----------       ----------
Other expense
   Salaries and other compensation ...............         584,550          448,486        1,695,620        1,338,154
   Employee benefits .............................          83,997           92,310          243,212          270,901
   Net occupancy and equipment expense ...........         345,758          343,740        1,050,277        1,013,397
   Professional and other outside services .......         150,242          172,395          400,051          183,330
   Other expense .................................         139,707           66,458          403,507          182,304
                                                        ----------       ----------       ----------       ----------
   Total other expenses ..........................       1,304,254        1,123,389        3,792,667        2,988,086
                                                        ----------       ----------       ----------       ----------
   Net loss ......................................      $ (122,225)      $ (310,772)      $ (398,879)      $ (542,027)
                                                        ==========       ==========       ==========       ==========
Basic and diluted loss per common share ..........      $     (.15)      $     (.30)      $     (.48)      $     (.55)
                                                        ==========       ==========       ==========       ==========
</TABLE>

        The accompanying notes are an integral part of these consolidated
                             financial statements.


                                        3
<PAGE>

                                 EBANK.COM, INC.
             CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE LOSS
                                   (UNAUDITED)

<TABLE>
<CAPTION>
                                                 For the three months ended          For the nine months ended
                                                ---------------------------         --------------------------
                                                       September 30,                       September 30,
                                                ---------------------------         ---------------------------
                                                  2002              2001              2002              2001
                                                ---------         ---------         ---------         ---------
<S>                                             <C>               <C>               <C>               <C>
Net loss                                        $(122,225)        $(310,772)        $(398,879)        $(542,027)
                                                ---------         ---------         ---------         ---------
Other comprehensive loss:
   Unrealized loss on securities
     available for sale                                --                --                --                --
                                                ---------         ---------         ---------         ---------
Comprehensive loss                              $(122,225)        $(310,772)        $(398,879)        $(542,027)
                                                =========         =========         =========         =========
</TABLE>

        The accompanying notes are an integral part of these consolidated
                              financial statements.


                                        4
<PAGE>

                                 EBANK.COM, INC.
                 CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS
                                   (UNAUDITED)

<TABLE>
<CAPTION>
                                                                                       For the nine months ended
                                                                                             September 30,
                                                                                   --------------------------------
                                                                                       2002                2001
                                                                                   -----------         ------------
<S>                                                                                <C>                 <C>
Cash flows from operating activities:
   Net loss                                                                        $  (398,879)        $   (542,027)
   Adjustment to reconcile net loss to net cash provided (used)
   by operating activities:
   Net amortization of investment securities                                             1,269                 --
   Depreciation and amortization of premises and equipment                             519,935              550,488
   Provision for loan losses                                                           108,719                 --
   Gain on sale of other real estate owned                                                --               (120,764)
   Change in other assets                                                             (129,342)              (3,067)
   Change in accrued interest receivable                                                25,561              (75,772)
   Change in accrued interest payable                                                  (40,243)             (75,599)
   Change in other liabilities                                                         122,843             (564,379)
                                                                                   -----------         ------------
         Net cash provided (used) by operating activities                              209,863             (831,120)
                                                                                   -----------         ------------
Cash flows from investing activities:
   Purchase of investment securities available-for-sale                                   --             (3,025,900)
   Maturity of investment securities held-to-maturity                                3,000,000                 --
   Loans originated, net of principal repayments                                     4,673,415          (12,543,891)
   Net proceeds from the sale of other real estate owned                                  --                734,998
   Refund of equipment cost                                                               --                 22,500
   Purchases of premises and equipment                                                 (27,802)             (47,123)
                                                                                   -----------         ------------
         Net cash provided (used) by investing activities                            7,645,613          (14,859,416)
                                                                                   -----------         ------------
Cash flows from financing activities:
   Net proceeds from the sale of preferred stock                                       100,000            3,374,960
   Principal repayments of other borrowings                                            (60,751)          (2,555,541)
   Net change in deposits                                                           (6,529,531)          15,493,707
   Dividend payment Series B-1 and Series B-2 preferred stock                          (20,362)                --
                                                                                   -----------         ------------
         Net cash provided (used) by financing activities                           (6,510,644)          16,313,126
                                                                                   -----------         ------------
Net increase in cash and cash equivalents                                            1,344,832              622,590
Cash and cash equivalents:
   Beginning of period                                                               4,305,435            5,504,756
                                                                                   -----------         ------------
   End of period                                                                   $ 5,650,267         $  6,127,346
                                                                                   ===========         ============
</TABLE>

        The accompanying notes are an integral part of these consolidated
                              financial statements.


                                        5
<PAGE>

                                 EBANK.COM, INC.
                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                                   (UNAUDITED)

NOTE 1 -- BASIS OF PRESENTATION

         The accompanying unaudited consolidated financial statements have been
prepared in accordance with generally accepted accounting principles for interim
financial information and with the instructions to Form 10-QSB and Item 310 (b)
of Regulation S-B. Accordingly, they do not include all the information and
footnotes required by generally accepted accounting principles for complete
financial statements. In the opinion of management, all adjustments (consisting
of normal recurring adjustments) considered necessary for a fair presentation
have been included. Operating results for the three and nine month periods ended
September 30, 2002 are not necessarily indicative of the results that may be
expected for the year ending December 31, 2002. For further information, refer
to our consolidated financial statements and footnotes included in our annual
report on Form 10-KSB.

         ebank.com, Inc. (formerly known as Southeastern Commerce Holding
Company) provides a full range of banking and bank-related services to
individual and corporate customers through its wholly owned bank subsidiary
ebank, located in north Atlanta, Georgia and its wholly owned subsidiary
Peachtree Capital Corporation also located in Atlanta, Georgia. Shortly after
the opening of the bank subsidiary, plans were developed to offer Internet
banking services, and regulatory approval for such services was obtained in
December 1998. Effective April 20, 1999, the corporate name was changed to
"ebank.com, Inc." and the Internet domain name "ebank.com" was acquired.
Internet banking services began on September 30, 1999. ebank.com, Inc. and its
subsidiaries are subject to intense competition for all banking services,
including Internet banking, from other financial institutions and nonbank
financial service companies.

         ebank.com, Inc. was incorporated under the laws of the State of Georgia
on August 22, 1997 to operate as a unitary thrift holding company under the
supervision of the Office of Thrift Supervision. ebank began as a general
banking business on August 17, 1998, as a wholly owned subsidiary of ebank.com,
Inc. The consolidated financial statements include the accounts of the company
and its wholly owned subsidiaries, ebank and Peachtree Capital Corporation,
collectively known as the "Company." All significant intercompany accounts and
transactions have been eliminated in consolidation.

                         SIGNIFICANT ACCOUNTING POLICIES

         The Company's accounting policies are fundamental to understanding
management's discussion and analysis of results of operations and financial
condition. Many of the Company's accounting policies require significant
judgment regarding valuation of assets and liabilities and/or significant
interpretation of the specific accounting guidance. A description of the
Company's significant accounting policies can be found in Note 1 of the Notes to
Consolidated Financial Statements in the Company's 2001 annual report to
shareholders. The following is a summary of the more judgmental and complex
accounting policies of the Company.

         Many of the Company's assets and liabilities are recorded using various
valuation techniques that require significant judgment as to recoverability. The
collectability of loans is reflected through the Company's estimate of the
allowance for loan losses. The Company performs periodic and systematic detailed
reviews of its lending portfolio to assess overall collectability. In addition,
certain assets and liabilities are reflected at their estimated fair value in
the consolidated financial statements. Such amounts are based on either quoted
market prices or estimated values derived by the Company utilizing dealer quotes
or market comparisons.


                                        6
<PAGE>

                                USE OF ESTIMATES

         Management of the Company has made a number of estimates and
assumptions relating to reporting of assets and liabilities and the disclosure
of contingent assets and liabilities to prepare these consolidated financial
statements in conformity with generally accepted accounting principles. Actual
results could differ from these estimates.

NOTE 2 -- LOSSES PER COMMON SHARE

         Presented below is a summary of the components used to calculate basic
and diluted losses per common share for the three months ended September 30,
2002 and 2001.

<TABLE>
<CAPTION>
                                                                          For the three months ended
                                                                                September 30,
                                                                        -----------------------------
                                                                           2002               2001
                                                                        ----------         ----------
         <S>                                                            <C>                <C>
         Basic Losses Per Common Share:
           Weighted average common shares outstanding                    1,707,916          1,469,250
                                                                        ==========         ==========

           Net loss                                                     $ (122,225)        $ (310,772)
           Preferred stock dividend                                       (133,528)          (122,156)
                                                                        ----------         ----------
           Net loss attributable to common stockholders                 $ (255,753)        $ (432,928)
                                                                        ==========         ==========

           Basic losses per common share                                $     (.15)        $     (.30)
                                                                        ==========         ==========
</TABLE>

Presented below is a summary of the components used to calculate basic and
diluted losses per common share for the nine months ended September 30, 2002 and
2001.

<TABLE>
<CAPTION>

                                                                          For the nine months ended
                                                                                September 30,
                                                                        -----------------------------
                                                                           2002               2001
                                                                        ----------         ----------
         <S>                                                            <C>                <C>
         Basic Losses Per Common Share:
           Weighted average common shares outstanding                    1,647,024          1,469,250
                                                                        ==========         ==========

           Net loss                                                     $ (398,879)        $ (542,027)
           Preferred stock dividends                                      (396,285)          (265,523)
                                                                        ----------         ----------
           Net loss attributable to common stockholders                 $ (795,164)        $ (807,550)
                                                                        ==========         ==========

           Basic losses per common share                                $     (.48)        $     (.55)
                                                                        ==========         ==========
</TABLE>

NOTE 3 -- NEW ACCOUNTING PRONOUNCEMENTS

ACCOUNTING PRONOUNCEMENTS

In July 2001, the Financial Accounting Standards Board issued SFAS No. 141,
Business Combinations and SFAS No. 142, Goodwill and Other Intangible Assets.
SFAS No. 141 requires that the purchase method of accounting be used for all
business combinations initiated after September 30, 2001. SFAS No. 141 also
specifies criteria that intangible assets acquired in a purchase method business
combination must meet to be recognized and reported apart from goodwill. SFAS
No. 142 requires that goodwill and


                                        7
<PAGE>

intangible assets with indefinite useful lives no longer be amortized, but
instead be tested for impairment at least annually in accordance with the
provisions of SFAS No. 142. SFAS No. 142 also requires that intangible assets
with estimable useful lives be amortized over their respective useful lives to
their estimated residual values and be reviewed for impairment. SFAS No. 141 was
effective July 1, 2001 and the provisions of SFAS No. 142 were effective January
1, 2002.

NOTE 4 -- PEACHTREE CAPITAL CORPORATION

         On January 2, 2002, the Company acquired Peachtree Capital Corporation,
a financial planning and securities brokerage firm located in Atlanta, Georgia.
The results of operations for Peachtree Capital Corporation are included in the
consolidated statement of operations of the Company for the period from January
2, 2002 to September 30, 2002. In exchange for all of the outstanding stock of
Peachtree Capital Corporation, the Company paid $400,000 in cash and agreed to
issue 76,792 shares of the Company's Series B-1 convertible preferred stock and
76,792 shares of the Company's Series B-2 convertible preferred stock based on a
price of $2.93 a share, resulting in the preferred stock being valued at
$450,000. The total $850,000 purchase price was determined based upon arm's
length negotiations. The Company incurred $106,250 in costs related to this
acquisition. At January 2, 2002, Peachtree Capital Corporation's only asset was
$15,000 in cash and there were no liabilities.

         The Series B-1 and Series B-2 cumulative convertible preferred stock
pays a 9% annual dividend semi-annually. If the Company is not legally permitted
to pay the dividends in cash, the Company will issue its common stock in lieu of
the cash dividend. Subject to certain possible adjustments discussed below, each
share of the Series B-1 preferred stock will automatically convert into one
share of the Company's common stock on the fifth day of the second month
following the first anniversary date of the agreement if the average daily
closing price of the Company's common stock for the thirty days prior to the
conversion date is equal to or greater than $2.93 per share (the "Purchase
Price"). Subject to certain possible adjustments discussed below, each share of
the Series B-2 preferred stock will automatically convert into one share of the
Company's common stock on the fifth day of the second month following the second
anniversary date of the agreement if the average daily closing price of the
Company's common stock for the thirty days prior to the conversion date is equal
to or greater than the Purchase Price.

         The Company will be required to issue additional shares of its common
stock if the average daily closing price of the Company's common stock for the
30 trading days immediately prior to either of the conversion dates is less than
$2.93 per share (the "Adjusted Conversion Price"). In any such event, and
subject to the possible adjustments described below, the number of shares of the
Company's common stock to be received will equal the number of Series B-1 or
Series B-2 shares outstanding on each respective conversion date multiplied by a
conversion ratio consisting of the Purchase Price divided by the Adjusted
Conversion Price. If the conversion of the Series B-1 or Series B-2 preferred
stock would result in any holder owning in the aggregate 10% or more of the
Company's outstanding voting stock, the Company will only convert that number of
shares of preferred stock which would result in such holder owning (in the
aggregate) 9.9% of the Company's outstanding voting stock. In lieu of the
remaining common stock which could not be converted due to the 10% limitation,
the Company will issue debentures to such holder with a face value equal to the
then current market value of such additional shares of common stock. Any such
debentures will call for quarterly interest only payments at an annual interest
rate of nine percent, and a balloon payment at the end of the two-year term.

         The Purchase Price is subject to certain adjustments if Peachtree
Capital Corporation fails to achieve certain targeted levels of revenue on or
before each of the conversion dates. The Adjusted Conversion Price will also be
adjusted for any stock splits and reverse stock splits of the Company's common
stock.


                                        8
<PAGE>

         Any common stock issued in excess of the one-for-one conversion factor
will be recorded as an additional expense of the acquisition in the consolidated
statement of operations when the conversion factor is determinable. There were
no purchased research and development costs acquired or written off in the
acquisition.

         The amount of the purchase price plus acquisition costs in excess of
the book value of the net assets acquired of Peachtree Capital Corporation has
been allocated to goodwill. The aggregate amount of goodwill acquired for the
period ended September 30, 2002 amounted to $941,250. No goodwill impairment
losses have been recognized for the period ended September 30, 2002. No amount
of the goodwill is expected to be deductible for income tax purposes.

NOTE 5 -- SERIES A PREFERRED STOCK

         In the third and fourth quarters of 2000 and the first and second
quarters of 2001, the Company offered, through a private placement memorandum,
to sell up to 500,000 "capital units" at a price of $10.00 per unit. Each
capital unit consists of four shares of Series A 8% cumulative convertible
preferred stock and a warrant to purchase two shares of common stock for $3.50
per share. Each share of Series A preferred stock is convertible into one share
of common stock. The Series A preferred stock is convertible at any time at the
option of the holder. In addition, the Company can require conversion of the
Series A preferred stock if the closing price of its common stock equals or
exceeds $10.00 per share for fifteen consecutive trading days. At the Company's
election, dividends on the Series A preferred stock may be paid in cash or in
additional shares of common stock. The warrants terminate on the earlier of five
years or thirty days after the Company notifies the holder that the closing
price of the Company's common stock has equaled or exceeded $5.00 per share for
twenty consecutive trading days.

         In June 2001, the Company offered, through a private placement
memorandum, to sell up to 100,000 "capital units" at a price of $10.00 per unit.
Each capital unit consists of four shares of Series A 8% cumulative convertible
preferred stock and a warrant to purchase two shares of common stock for $4.00
per share. Each share of Series A preferred stock is convertible into one share
of common stock. The Series A preferred stock is convertible at any time at the
option of the holder. In addition, the Company can require conversion for the
Series A preferred stock if the closing price of its common stock equals or
exceeds $10.00 per share for fifteen consecutive trading days. At the Company's
election, dividends on the Series A preferred stock may be paid in cash or in
additional shares of common stock. The warrants terminate on the earlier of five
years or thirty days after the Company notifies the holder that the closing
price of the Company's common stock has equaled or exceeded $5.50 per share for
twenty consecutive trading days.

         In January 2002, the Company offered, through a private placement
memorandum, to sell 10,000 "capital units" at a price of $10.00 per unit. Each
capital unit consists of four shares of Series A 8% cumulative convertible
preferred stock and a warrant to purchase two shares of common stock for $4.00
per share. Each share of Series A preferred stock is convertible into one share
of common stock. The Series A preferred stock is convertible at any time at the
option of the holder. In addition, the Company can require conversion for the
Series A preferred stock if the closing price of its common stock equals or
exceeds $10.00 per share for fifteen consecutive trading days. At the Company's
election, dividends on the Series A preferred stock may be paid in cash or in
additional shares of common stock. The warrants terminate on the earlier of five
years or thirty days after the Company notifies the holder that the closing
price of the Company's common stock has equaled or exceeded $5.50 per share for
twenty consecutive trading days.

         In connection with the sale of the Series A preferred stock, the
Company paid its underwriter (a) a commission equal to 10% of the sales price
for each unit sold by the underwriter (with the exception of units sold to
directors and officers of the Company or units sold to investors located by the
Company's directors and officers who purchased at least 50,000 units) plus (b) a
$25,000 fee after 50,000 units were


                                        9
<PAGE>

sold by the underwriter, plus (c) a warrant to purchase 200,000 shares of the
Company's common stock at a price of $4.00 per share, exercisable for a period
of five years.

         A summary of the Series A preferred stock issued as of September 30,
2002 follows:

<TABLE>
<S>                                                                                               <C>
Capital units sold (net of 5,000 units converted in March 2002)                                      602,500
                                                                                                  ----------

Gross proceeds from offering                                                                      $6,075,000

Offering costs including underwriter commission                                                     (612,796)
                                                                                                  ----------

Net proceeds received from offering                                                               $5,462,204
                                                                                                  ----------

Series A Preferred shares issued                                                                   2,430,000
Series A Preferred shares converted to common                                                         20,000
                                                                                                  ----------
Series A Preferred shares issued and outstanding                                                   2,410,000
                                                                                                  ----------

Accumulated undeclared dividends on Series A preferred stock                                      $  286,522
                                                                                                  ==========

Common stock available for purchase under warrants issued to preferred shareholders                1,205,000

Common stock available for purchase under warrants issued to underwriter                             200,000
                                                                                                  ----------
Total common stock available for purchase under warrants                                           1,405,000
                                                                                                  ==========
</TABLE>


NOTE 6 -- SUBSEQUENT EVENT

         On September 27, 2002, we announced that our subsidiary, ebank, would
establish a loan production office in Columbia, Maryland on October 1, 2002. The
loan production office originates home mortgages and home equity loans and sells
them in the secondary market. Although the Columbia office was established on
October 1, 2002 as planned, we decided to discontinue operations on November 30,
2002, after consultations with the Office of Thrift Supervision, the bank's
primary regulator. We do not anticipate any loss in connection with
discontinuing operations of the Columbia office.


                                       10
<PAGE>

PART I -- FINANCIAL INFORMATION

ITEM 2.  MANAGEMENT'S DISCUSSION AND ANALYSIS OR PLAN OF OPERATION.

         This Report may contain certain statements that may be considered
forward-looking statements within the meaning of Section 27A of the Securities
Act of 1933 and Section 23E of the Securities Exchange Act of 1934, as amended.
Such statements may relate to, among other matters, our future financial
position, business prospects and strategy, projected costs and plans and
objectives for future operations, growth and liquidity. Forward-looking
statements generally can be identified by the use of forward-looking words such
as "may," "would," "could," "will," "expect," "anticipate," "believe," "intend,"
"plan," "estimate," "project," or "continue" or words of similar meaning. These
statements are subject to a number of risks and uncertainties that could cause
actual results to differ materially from historical results or from those
anticipated or implied as of the date of this report. Some of the factors that
could cause such a variance are:

         -        significant increases in competitive pressure in the banking
                  and financial services industries;

         -        changes in the interest rate environment which could reduce
                  anticipated or actual margins;

         -        changes in political conditions or in the legislative or
                  regulatory environment;

         -        general economic conditions, either nationally or regionally
                  and especially in primary service area, becoming less
                  favorable than expected resulting in, among other things, a
                  deterioration in credit quality;

         -        changes occurring in business conditions and inflation;

         -        changes in technology;

         -        changes in monetary and tax policies;

         -        changes in the securities markets; and

         -        other risks and uncertainties detailed from time to time in
                  our filings with the Securities and Exchange Commission.

General

         ebank.com, Inc., a Georgia corporation, is the holding company for
ebank, a federal savings bank, and as of January 2, 2002, Peachtree Capital
Corporation, a Georgia corporation based in Atlanta which provides financial
planning and securities brokerage services. We provide banking and other
financial services to small business and retail customers through our offices in
Atlanta, Georgia and via the Internet. We have revised our business strategy to
emphasize our traditional banking business and to develop cost-effective
strategies utilizing the Internet as one of our delivery channels. We provide a
broad array of financial products and services to our small business and retail
customers, including checking accounts, bill payment services, money markets,
CDs, ATM cards, home equity loans, mortgage loans, commercial loans, and credit
cards. In addition, as of January 2, 2002, we began providing comprehensive
investment services, including personal financial planning; life, health and
disability insurance; portfolio management; and financial advisory services for
entrepreneurs and small businesses through our wholly owned subsidiary Peachtree
Capital Corporation.


                                       11
<PAGE>

Financial Condition

         Total consolidated assets decreased by $6,317,423 to $89,939,660 during
the nine-month period ended September 30, 2002. The decrease in assets was
primarily related to decreases in net loans and investments of approximately
$4.8 million and $3.0 million, respectively, offset by an increase in Federal
funds sold of approximately $981 thousand. The decrease in net loans is
primarily attributable to a reduction of approximately $6.1 million in
commercial and commercial mortgage loans offset by an increase of $1.9 million
in consumer loans. This change in loan portfolio mix reflects management's
efforts to expand its consumer loan portfolio and decrease its reliance on
commercial loans. Other changes in assets include the addition of goodwill of
$941,250 associated with the January 2002 purchase of Peachtree Capital
Corporation and a decline in net fixed assets of approximately $492 thousand.
The decline in fixed assets is the result of $520 thousand in depreciation
during the period offset by fixed asset purchases of $28 thousand.

         Total consolidated liabilities decreased by $6,448,181 to $82,407,892
during the nine-month period ended September 30, 2002. The decrease in
liabilities is primarily related to a $6.5 million decrease in deposits
including declines in money market and certificate of deposits of $4.8 million
and $1.2 million, respectively, during the nine-month period ended September 30,
2002.

Results of Operations - Nine months ended September 30, 2002 compared to the
nine months ended September 30, 2001

         Net loss for the nine months ended September 30, 2002 was $398,879
($(.24) per common share), or $(.48) per common share after taking into account
$396,285 in dividends on preferred stock, compared with a net loss of $542,027
($(.37) per common share), or $(.55) per common share after taking into account
$265,523 in dividends on preferred stock, for the nine months ended September
30, 2001. Net interest income, before provision for loan losses, for the
nine-month period ending September 30, 2002 totaled $2,773,169, compared to net
interest income, before provision for loan losses, of $2,220,085 for the
nine-month period ending September 30, 2001. This increase in net interest
income was primarily due to a reduction in the cost of time deposits compared to
the same period in 2001.

         Other income earned for the nine months ended September 30, 2002 and
2001 was $729,338 and $225,974, respectively. Included in other income for the
nine months ended September 30, 2002 is $662,353 generated by Peachtree Capital
Corporation. Income from Peachtree Capital Corporation consists primarily of
commissions earned on brokerage transactions, investment advisory service fees
and insurance commissions. Included in other income for the nine months ended
September 30, 2001 was a gain of $120,764 recognized on the sale of other real
estate owned. On an annualized basis, other income represents less than 1.08% of
total assets.

         Operating expenses for the nine-month period ending September 30, 2002
and September 30, 2001 totaled $3,792,667 and $3,260,331, respectively.
Operating expenses for the nine-month period ending September 30, 2001 are
adjusted for the effect of favorable resolutions to vendor fee disputes of
$272,245. Operating expenses for the current year include expenses associated
with Peachtree Capital Corporation acquired at the beginning of the year.
Operating expenses associated with Peachtree Capital Corporation for the
nine-month period ending September 30, 2002 totaled $524,785, including salaries
and other compensation of $338,587, occupancy expense of $70,982 and other
expenses of $115,216. Adjusted for net occupancy expense associated with
Peachtree Capital Corporation, net occupancy and equipment expense declined by
$34,102 primarily as a result of successfully subleasing excess office space.
Professional fees for the nine-month period ending September 30, 2001, without
adjusting for favorable vendor fee resolutions of $272,245, totaled $455,575 as
compared to professional fees for the nine-month period ending September 30,
2002 of $400,051. The $55,524 reduction is primarily related to reduced legal
fees during the current year. Adjusted for other expenses associated with
Peachtree Capital Corporation, other expenses increased by $105,987 primarily as
a result of increases in insurance costs and regulatory fees. On an annualized
basis, operating expenses represent 5.62% of total assets.


                                       12
<PAGE>

Results of Operations - Three months ended September 30, 2002 compared to the
three months ended September 30, 2001

         Net loss for the three months ended September 30, 2002 was $122,225
($(.07) per common share), or $(.15) per common share after taking into account
$133,528 in dividends on preferred stock, compared with a net loss of $310,772
($(.21) per common share), or $(.30) per common share after taking into account
$122,156 in dividends on preferred stock, for the three months ended September
30, 2001. Net interest income, before provision for loan losses, for the
three-month period ending September 30, 2002 totaled $953,395, compared to net
interest income, before provision for loan losses, of $772,011 for the
three-month period ending September 30, 2001. This increase in net interest
income was primarily due to a reduction in the cost of time deposits compared to
the same period in 2001.

         Other income earned for the three months ended September 30, 2002 and
2001 was $228,634 and $40,606, respectively. Included in other income for the
three months ended September 30, 2002 is $206,266 generated by Peachtree Capital
Corporation. Income from Peachtree Capital Corporation consists primarily of
commissions earned on brokerage transactions, investment advisory service fees
and insurance commissions.

         Operating expenses for the three-month period ending September 30, 2002
and 2001 totaled $1,304,254 and $1,123,389, respectively. Operating expenses for
the current year include expenses associated with Peachtree Capital Corporation
acquired at the beginning of the year. Operating expenses associated with
Peachtree Capital Corporation for the three-month period ending September 30,
2002 totaled $180,237, including salaries and other compensation of $113,880,
occupancy expense of $23,700 and other expenses of $42,657. Adjusted for
operating expenses incurred in connection with Peachtree Capital Corporation,
total operating expenses declined $628 for the three-month period ending
September 30, 2002 as compared to the prior year period. On an annualized basis,
operating expenses represent 5.80% of total assets.

Allowance for Loan Losses

         There are risks inherent in making all loans, including risks with
respect to the period of time over which loans may be repaid, risks resulting
from changes in economic and industry conditions, risks inherent in dealing with
individual borrowers, and, in the case of a collateralized loan, risks resulting
from uncertainties about the future value of the collateral. To address these
risks, we have developed policies and procedures to evaluate the overall quality
of our credit portfolio and the timely identification of potential problem
loans. We maintain an allowance for loan losses, which we establish through
charges in the form of a provision for loan losses. We charge loan losses and
credit recoveries directly to this allowance.

         We attempt to maintain the allowance at a level that will be adequate
to provide for potential losses in our loan portfolio. To maintain the allowance
at an adequate level, we periodically make additions to the allowance by
charging an expense to the provision for loan losses on our statement of
operations. We evaluate the allowance for loan losses on an overall portfolio
basis, as well as allocating the allowance to loan categories. We consider a
number of factors in determining the level of this allowance, including our
total amount of outstanding loans, our amount of past due loans, our historic
loan loss experience, general economic conditions, and our assessment of
potential losses. Our evaluation is inherently subjective as it requires
estimates that are susceptible to significant change. Our losses will
undoubtedly vary from our estimates, and there is a possibility that charge-offs
in future periods will exceed the allowance for loan losses as estimated at any
point in time.


                                       13
<PAGE>

         As of September 30, 2002 and December 31, 2001, the allowance was
$898,165 and $838,650, respectively. The allowance for loan losses, as a
percentage of total gross loans, was 1.27% as of September 30, 2002, compared to
1.11% as of December 31, 2001. Our provision for loan losses for the nine-months
ended September 30, 2002 and 2001 was $108,719 and $0, respectively. As of
September 30, 2002, we had one loan past due greater than 60 days totaling
approximately $19,000. There was one loan charged-off during the nine-month
period ending September 30, 2002 totaling approximately $62,000 and recoveries
of previous charge-offs of approximately $13 thousand during the period.

Average Balances, Income and Expense, and Rates

         Net interest income represents the difference between interest received
on interest-earning assets and interest paid on interest-bearing liabilities.
The following represents, in a tabular form, the main components of
interest-earning assets and interest-bearing liabilities for the nine months
ended September 30, 2002:

<TABLE>
<CAPTION>
        Interest-                                         Interest
     Earning Assets/                    Average           Income/          Yield/
    Bearing Liabilities                 Balance             Cost            Cost
--------------------------            -----------        ----------        ------
<S>                                   <C>                <C>               <C>
Interest-earning deposits             $   256,279        $    5,330         2.77%
Federal funds sold                      1,985,141            21,229         1.43%
Investment securities                  12,754,994           588,103         6.15%
Loans                                  74,757,925         4,201,296         7.49%

                                      $89,754,339        $4,815,958         7.15%
                                      ===========        ==========

Deposits                              $76,195,249        $1,778,092         3.11%
Other borrowings                        9,105,066           264,697         3.88%
                                      -----------        ----------

               Total                   85,300,315         2,042,789         3.19%
                                       ==========         =========

Net interest income/spread                               $2,773,169         3.96
                                                         ==========

Net interest margin                                                         4.12
</TABLE>

         The net interest margin for the first nine months of 2002 has increased
to 4.12% as compared to 3.48% for the first nine months of 2001 and 3.77% for
the entire year of 2001. Since most of our deposits have matured and are
repriced at lower rates, we expect our net interest margin to improve slightly
in 2002.

Liquidity and Sources of Capital

         Liquidity is our ability to meet all deposit withdrawals immediately,
while also providing for the credit needs of customers. Our primary sources of
funds are principal and interest payments on loans receivable, cash flows from
operations, increases in deposits and advances from the Federal Home Loan Bank
of Atlanta. The September 30, 2002 financial statements evidence a satisfactory
liquidity position as total cash and cash equivalents amounted to approximately
$5.7 million, or 6.3% of total assets. For the nine-month period ended September
30, 2002, total deposits decreased from $79.1 million to $72.6 million,
representing a decrease of 8.3%. We will increase deposits as required to fund
new loan growth. We closely monitor and attempt to maintain appropriate levels
of interest-earning assets and interest-bearing liabilities so that maturities
of assets are such that adequate funds are available to meet our customer
withdrawals and loan demand. We believe that our existing funding sources are
adequate to ensure sufficient cash flow to meet our current and future
obligations.


                                       14
<PAGE>

         The bank maintains adequate levels of capitalization as measured by the
following capital ratios and the respective minimum capital requirements by the
Office of Thrift Supervision, the bank's primary regulator.

<TABLE>
<CAPTION>
                                                              Bank          Minimum
                                                             Capital      Regulatory
                                                              Ratio       Requirement
                                                             -------      -----------
         <S>                                                 <C>          <C>
         Capital ratios at September 30, 2002
           Tier 1 capital                                      9.94%          4.0%
           Tier 2 capital                                      1.25%
              Total risk-based capital ratio                  11.19%          8.0%

           Leverage ratio                                      7.40%          4.0%
</TABLE>

         The Office of Thrift Supervision has established a 4.0% minimum
leverage ratio requirement for its highest rated banks. The leverage ratio is
computed by dividing Tier 1 capital into average assets. For all except the
highest rated banks, the minimum leverage ratio should be 4.0% plus an
additional cushion of at least 1 to 2 percent, depending upon risk profiles and
other factors.

         We believe that, as of September 30, 2002, we exceed all capital
requirements to which we are subject.

Liquidity And Rate Sensitivity

         Asset/liability management is the process by which we monitor and
control the mix and maturities of our assets and liabilities. The essential
purposes of asset/liability management are to ensure adequate liquidity and to
maintain an appropriate balance between interest-sensitive assets and
liabilities to minimize potentially adverse impacts on earnings from changes in
market interest rates.

         We measure interest rate sensitivity as the difference between amounts
of interest-earning assets and interest-bearing liabilities, which either
reprice or mature within a given period of time. The difference, or the interest
rate repricing "gap," provides an indication of the extent to which an
institution's interest rate spread will be affected by changes in interest
rates. A gap is considered positive when the amount of interest-sensitive assets
exceeds the amount of interest-sensitive liabilities, and is considered negative
when the amount of interest-sensitive liabilities exceeds the amount of
interest-sensitive assets. Generally, during a period of rising interest rates,
a negative gap within shorter maturities would adversely affect net interest
income, while a positive gap within shorter maturities would result in an
increase in net interest income, and during a period of falling interest rates,
a negative gap within shorter maturities would result in an increase in net
interest income while a positive gap within shorter maturities would have the
opposite effect.


                                       15
<PAGE>

         The table below shows the interest rate sensitivity of our assets and
liabilities as of September 30, 2002:

<TABLE>
<CAPTION>
                                                            After three
                                               Within       but within      After one         After
                                                three         twelve        but within        five
                                               months         months        five years        years         Total
                                               -------      -----------     ----------       -------       -------
                                                                     (Dollars in Thousands)
<S>                                            <C>          <C>             <C>              <C>           <C>
Interest-earning assets:
  Interest-earning deposits                    $   131       $     --        $     --        $    --       $   131
  Loans                                         34,438          4,040          12,492         20,089        71,059
  Investment securities                            450             --              --          9,926        10,376
  Federal funds sold                             4,582             --              --             --         4,582
                                               -------       --------        --------        -------       -------
Total interest-earning assets                  $39,601       $  4,040        $ 12,492        $30,015       $86,148
                                               -------       --------        --------        -------       -------

Interest-bearing liabilities:
  Money market and NOW                         $23,316       $     --        $     --        $    --       $23,316
  Savings deposits                                 320             --              --             --           320
  Time deposits                                 11,133         23,942           8,489             --        43,564
  Other liabilities                                 21             30           5,250          4,000         9,301
                                               -------       --------        --------        -------       -------
Total interest-bearing liabilities             $34,790       $ 23,972        $ 13,739        $ 4,000       $76,501
                                               -------       --------        --------        -------       -------

Interest-sensitivity gap                       $ 4,811       $(19,932)       $ (1,247)       $26,015       $ 9,647
                                               =======       ========        ========        =======       =======

Cumulative interest-sensitivity gap            $ 4,811       $(15,121)       $(16,368)       $ 9,647       $ 9,647
                                               =======       ========        ========        =======       =======

Ratio of interest-sensitivity gap to
  total interest-earning assets                   5.58%        -23.14%          -1.45%         30.20%        11.20%


  Ratio of cumulative interest-
  sensitivity gap to total interest-
  earning assets                                  5.58%        -17.55%         -19.00%         11.20%
</TABLE>

         As evidenced by the table above, we are cumulatively
liability-sensitive at one year. However, gap analysis is not a precise
indicator of our interest sensitivity position. The analysis presents only a
static view of the timing of maturities and repricing opportunities, without
taking into consideration that changes in interest rates do not affect all
assets and liabilities equally. Net interest income may be impacted by other
significant factors in a given interest rate environment, including changes in
the volume and mix of interest-earning assets and interest-bearing liabilities.


                                       16
<PAGE>

         Loan Portfolio

         Because loans typically provide higher interest yields than do other
types of earning assets, our intent is to channel a substantial percentage of
our earning assets into the loans category.

         The following table summarizes the composition of the loan portfolio at
September 30, 2002:

<TABLE>
<CAPTION>
                                                                       Percent
                                                   Amount              of total
                                                ------------           --------
<S>                                             <C>                    <C>
Commercial                                      $ 13,193,883             18.57%
Real estate - individual                          28,475,261             40.07%
Real estate - commercial                          23,309,408             32.80%
Installment loans to individuals                   6,080,608              8.56%
                                                ------------            ------
Total loans                                       71,059,160            100.00%
                                                                        ======

Less: Net deferred loan fees                         (93,885)
      Allowance for loan losses                     (898,165)
                                                ------------
Total net loans                                 $ 70,067,108
                                                ------------
</TABLE>

         The principal components of our loan portfolio at September 30, 2002
were mortgage loans and commercial loans, which represented 91.44% of the
portfolio. We will attempt to maintain a relatively diversified loan portfolio
to help reduce the risk inherent in concentration of collateral.

REGULATORY MATTERS

         From time to time, various bills are introduced in the United States
Congress with respect to the regulation of financial institutions. Certain of
these proposals, if adopted, could significantly change the regulation of banks
and the financial services industry. We cannot predict whether any of these
proposals will be adopted or, if adopted, how these proposals would affect us.

ITEM 3.  CONTROLS AND PROCEDURES.

         Within the 90 days prior to the date of this Form 10-QSB, an evaluation
was performed under Rule 13a-14 of the Securities Exchange Act of 1934 under the
supervision and with the participation of our management, including the Chief
Executive Officer and Chief Financial Officer, of the effectiveness of the
design and operation of our disclosure controls and procedures. Based on that
evaluation, the Chief Executive Officer and Chief Financial Officer concluded
that our disclosure controls and procedures were effective. There have been no
significant changes in our internal controls and procedures or in other factors
that could significantly affect internal controls subsequent to the date of our
evaluation.


                                       17
<PAGE>

PART II
                                OTHER INFORMATION

ITEM 1.  LEGAL PROCEEDINGS.

         In late May 1999, we received a notice from Huntington Bancshares
Incorporated asserting that it has superior trademark rights in the name
"ebank." In 1996, Huntington Bancshares Incorporated obtained a federal
trademark registration for the term "E-BANK." Based on our review of materials
Huntington sent us describing its use of the term "E-BANK," we believe that
Huntington's use of the term is limited to a description of a system platform,
which Huntington at one time offered or planned to offer on a wholesale basis to
other banks. We do not believe that Huntington has used the term in connection
with offering financial services to the public. Consequently, we do not believe
that our ownership rights in the service mark "ebank" and our use of the mark to
provide financial services on the Internet and elsewhere infringe upon
Huntington's federal trademark. In order to clarify the situation, on September
30, 1999 we filed an action in the United States District Court for the Northern
District of Georgia, asking for a declaratory judgment that we have the right to
use "ebank.com" as a trademark for Internet banking services despite
Huntington's registration. Rather than answering our complaint, Huntington filed
suit against us on August 10, 1999 in the United States District Court for the
Eastern District of Ohio, alleging trademark infringement over our use of the
name "ebank.com." In the Ohio action, Huntington sought an injunction against
our use of the name "ebank.com" and "ebank," as well as treble damages and all
profits realized by us by reason of our use of the name "ebank." Huntington
submitted a motion to dismiss the Georgia action, and we submitted a motion to
dismiss the Ohio action, in each case on the grounds of lack of jurisdiction. On
March 29, 2000, the district court in the Georgia action granted Huntington's
motion to dismiss on the grounds that the court did not have jurisdiction over
Huntington. On September 27, 2000, the district court in the Ohio action granted
our motion to dismiss on the grounds of lack of jurisdiction.

         On July 20, 2001, e-BANK, LLC, a Huntington affiliate, filed claims
against us in the United States District Court for the Northern District of
Georgia, Atlanta Division. These currently pending claims are substantially
similar to the claims that were dismissed in the Ohio action. We filed a motion
to dismiss, which the Court denied on September 17, 2002. On November 1, 2002,
we answered the complaint, denying liability and filed a counterclaim seeking
cancellation of e-BANK, LLC's trademark and an award of attorneys' fees. The
discovery period commences December 2, 2002, and is scheduled to last for four
months.

         There are no other material legal proceedings to which we or any of our
properties are subject.

ITEM 2.  CHANGES IN SECURITIES AND USE OF PROCEEDS.

         None.

ITEM 3.  DEFAULTS UPON SENIOR SECURITIES.

         None.

ITEM 4.  SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS.

         None.

ITEM 5.  OTHER INFORMATION.

         On September 27, 2002, we announced that our subsidiary, ebank, would
establish a loan production office in Columbia, Maryland on October 1, 2002. The
loan production office originates home mortgages and home equity loans and sells
them in the secondary market. Although the Columbia office was established on
October 1, 2002 as planned, we decided to discontinue operations on November


                                       18
<PAGE>

30, 2002, after consultations with the Office of Thrift Supervision, the bank's
primary regulator. We do not anticipate any loss in connection with
discontinuing operations of the Columbia office.

ITEM 6.  EXHIBITS AND REPORTS ON FORM 8-K.

(a)      Exhibits

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

99.2     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 following exhibits were filed on Form 8-K
         for the period ended September 30, 2002:

         1.       Form 8-K filed with the SEC on September 17, 2002, reporting
                  the resignation of Mauldin & Jenkins, LLC, as the Company's
                  auditors and reporting the engagement of Porter Keadle Moore,
                  LLP, as the Company's new auditors.

         2.       Form 8-K filed with the SEC on September 27, 2002, announcing
                  that the Company's federal savings bank subsidiary, ebank,
                  would establish a loan production office in Columbia, Maryland
                  on October 1, 2002.


                                       19
<PAGE>

                                   SIGNATURES

         In accordance with Section 13 or 15(d) of the Securities Exchange Act
of 1934, the registrant caused this report to be signed on its behalf by the
undersigned, thereunto duly authorized.


                                    ebank.com, Inc.



Date: November 14, 2002             By: /s/ James L. Box
      -----------------                 -------------------------------------
                                        James L. Box
                                        President and Chief Executive Officer



Date: November 14, 2002             By: /s/ Wayne W. Byers
      -----------------                 -------------------------------------
                                        Wayne W. Byers
                                        Chief Financial Officer



                                       20
<PAGE>

                                 CERTIFICATIONS

         I, James L. Box, certify that:

         1.       I have reviewed this quarterly report on Form 10-QSB of
ebank.com, Inc.;

         2.       Based on my knowledge, this quarterly report does not contain
any untrue statement of a material fact or omit to state a material fact
necessary to make the statements made, in light of the circumstances under which
such statements were made, not misleading with respect to the period covered by
this quarterly report;

         3.       Based on my knowledge, the financial statements, and other
financial information included in this quarterly report, fairly present in all
material respects the financial condition, results of operations and cash flows
of the registrant as of, and for, the periods presented in this quarterly
report;

         4.       The registrant's other certifying officers and I are
responsible for establishing and maintaining disclosure controls and procedures
(as defined in Exchange Act Rules 13a-14 and 15d-14) for the registrant and we
have:

         a)       Designed such disclosure controls and procedures to ensure
that material information relating to the registrant, including its consolidated
subsidiaries, is made known to us by others within those entities, particularly
during the period in which this quarterly report is being prepared;

         b)       Evaluated the effectiveness of the registrant's disclosure
controls and procedures as of a date within 90 days prior to the filing date of
this quarterly report (the "Evaluation Date"); and

         c)       Presented in this quarterly report our conclusions about the
effectiveness of the disclosure controls and procedures based on our evaluation
as of the Evaluation Date;

         5.       The registrant's other certifying officers and I have
disclosed, based on our most recent evaluation, to the registrant's auditors and
the audit committee of registrant's board of directors (or persons performing
the equivalent function):

         a)       All significant deficiencies in the design or operation of
internal controls which could adversely affect the registrant's ability to
record, process, summarize and report financial data and have identified for the
registrant's auditors any material weaknesses in internal controls; and

         b)       Any fraud, whether or not material, that involves management
or other employees who have a significant role in the registrant's internal
controls; and

         6.       The registrant's other certifying officers and I have
indicated in this quarterly report whether or not there were significant changes
in internal controls or in other factors that could significantly affect
internal controls subsequent to the date of our most recent evaluation,
including any corrective actions with regard to significant deficiencies and
material weaknesses.

Date: November 14, 2002



                                    By: /s/ James L. Box
                                       -------------------------------------
                                       James L. Box,
                                       President and Chief Executive Officer


                                       21
<PAGE>

         I, Wayne W. Byers, certify that:

         1.       I have reviewed this quarterly report on Form 10-QSB of
ebank.com, Inc.;

         2.       Based on my knowledge, this quarterly report does not contain
any untrue statement of a material fact or omit to state a material fact
necessary to make the statements made, in light of the circumstances under which
such statements were made, not misleading with respect to the period covered by
this quarterly report;

         3.       Based on my knowledge, the financial statements, and other
financial information included in this quarterly report, fairly present in all
material respects the financial condition, results of operations and cash flows
of the registrant as of, and for, the periods presented in this quarterly
report;

         4.       The registrant's other certifying officers and I are
responsible for establishing and maintaining disclosure controls and procedures
(as defined in Exchange Act Rules 13a-14 and 15d-14) for the registrant and we
have:

         a)       Designed such disclosure controls and procedures to ensure
that material information relating to the registrant, including its consolidated
subsidiaries, is made known to us by others within those entities, particularly
during the period in which this quarterly report is being prepared;

         b)       Evaluated the effectiveness of the registrant's disclosure
controls and procedures as of a date within 90 days prior to the filing date of
this quarterly report (the "Evaluation Date"); and

         c)       Presented in this quarterly report our conclusions about the
effectiveness of the disclosure controls and procedures based on our evaluation
as of the Evaluation Date;

         5.       The registrant's other certifying officers and I have
disclosed, based on our most recent evaluation, to the registrant's auditors and
the audit committee of registrant's board of directors (or persons performing
the equivalent function):

         a)       All significant deficiencies in the design or operation of
internal controls which could adversely affect the registrant's ability to
record, process, summarize and report financial data and have identified for the
registrant's auditors any material weaknesses in internal controls; and

         b)       Any fraud, whether or not material, that involves management
or other employees who have a significant role in the registrant's internal
controls; and

         6.       The registrant's other certifying officers and I have
indicated in this quarterly report whether or not there were significant changes
in internal controls or in other factors that could significantly affect
internal controls subsequent to the date of our most recent evaluation,
including any corrective actions with regard to significant deficiencies and
material weaknesses.

Date: November 14, 2002
      -----------------------

                                    By: /s/ Wayne W. Byers
                                        -----------------------
                                        Wayne W. Byers,
                                        Chief Financial Officer


                                       22