COMMUNITY BANK OF GEORGIA, INC.
   CERTIFICATION PURSUANT TO RULE 15d-14(a) UNDER THE SECURITIES ACT OF 1934, AS
                                    AMENDED.
                                                                    EXHIBIT 31.1

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I, Lloyd E. Gunter, President and Chief Executive Officer, certify that:

1.   I have reviewed this quarterly report on Form 10-QSB of Community Bank of
     Georgia, 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 Company's other certifying officer and I are responsible for
     establishing and maintaining disclosure controls and procedures (as defined
     in Exchange Act Rules 13a-15(c) and 15d-15(e)) for the company and have:

     a)   Designed such disclosure controls and procedures, or caused such
          disclosure controls and procedures to be designed under our
          supervision, to ensure that material information relating to the
          company is made known to us by others within this entity, particularly
          during the period in which this quarterly report is being prepared;

     b)   Evaluated the effectiveness of the effectiveness of the Company's
          disclosure controls and procedures and presented in this report our
          conclusions about the effectiveness of the disclosure controls and
          procedures, as of the end of the period covered by this report based
          on such evaluation ; and

     c)   Disclosed in this report any change in the Company's internal control
          over financial reporting that occurred during the Company's most
          recent fiscal quarter that has materially affected, or is reasonably
          likely to materially affect, the Company's internal control over
          financial reporting.

5.   The Company's other certifying officer and I have disclosed, based on our
     most recent evaluation of internal control over financial reporting, to the
     Company's auditors and the audit committee of the Company's board of
     directors (or persons performing the equivalent functions):

     a)   all significant deficiencies and material weaknesses in the design or
          operation of internal control over financial reporting which are
          reasonably likely to adversely affect the Company's ability to record,
          process, summarize and report financial information; and

     b)   any fraud, whether or not material, that involves management or other
          employees who have a significant role in the Company's internal
          control over financial reporting.

Date: November 21, 2003

/s/ Lloyd E. Gunter
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Lloyd E. Gunter
President / Chief Executive Officer


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