<PAGE>

================================================================================

                      SECURITIES AND EXCHANGE COMMISSION
                            Washington, D.C. 20549

                                  Form 10-KSB

(Mark One)
  [X]    ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
         EXCHANGE ACT OF 1934

                 For the Fiscal Year Ending December 31, 2000

                                       OR

  [_]    TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
         EXCHANGE ACT OF 1934

              For the transition period from ________ to ________

Commission File No. 000-29422
                    ---------

                            Eufaula BancCorp, Inc.
            (Exact name of registrant as specified in its charter)


           Delaware                                          63-0989868
-------------------------------                        -------------------
(State or other jurisdiction of                           (IRS Employer
incorporation or organization)                         Identification No.)


220 East Broad Street, Eufaula, Alabama                         36027
---------------------------------------                      ----------
(Address of principal executive office)                       (Zip Code)



      Registrant's telephone number, including area code: (334) 687-3581
      SECURITIES REGISTERED UNDER SECTION 12(b) OF THE EXCHANGE ACT: NONE
        SECURITIES REGISTERED UNDER SECTION 12(g) OF THE EXCHANGE ACT:


                                                      Name of each Exchange on
           Title of Class                                 which registered
           --------------                             ------------------------

     Common Stock, $1.00 par value                          NASDAQ-Small Cap


     Check if there is no disclosure of delinquent filers in response to Item
405 of Regulation S-B contained in this form, and no disclosure will be
contained, to the best of registrant's knowledge, in definitive proxy or
information statements incorporated by reference in Part III of this Form 10-KSB
or any amendment to this Form 10-KSB.    [X]

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

     State issuer's revenues for its most recent fiscal year: $26,131,000.

     As of March 1, 2001, 2,631,473 shares of the Registrant's Common Stock,
$1.00 par value were issued and outstanding, and the approximate aggregate
market value of the voting stock held by non-affiliates of the registrant was
approximately  $15,965,901.  (For purposes of the above stated amount only, all
directors and officers of the registrant are presumed to be affiliates.)

                      DOCUMENTS INCORPORATED BY REFERENCE

     Portions of the following documents are incorporated by reference into the
listed Parts and Items of Form 10-KSB:

     Annual Report to Stockholders for the year ending December 31, 2000 to the
extent indicated in the Form 10-KSB cross reference index - PARTS I, II and III.

     Definitive Proxy Statement for 2001 Annual Meeting to be filed with the
Securities and Exchange Commission not later than 120 days after the close of
the Registrant's fiscal year - PART III.

================================================================================
<PAGE>

                            EUFAULA BANCCORP, INC.
                         ANNUAL REPORT ON FORM 10-KSB
                               December 31, 2000

                        CROSS REFERENCE SHEET AND INDEX
                        -------------------------------

                                   PART   I.
                                   ---------

<TABLE>
<CAPTION>
ITEM NO.                                                                              LOCATION*
--------                                                                              --------
<S>                                                                             <C>
Item  1.       Description of Business.......................................   Item 1 of Form 10-KSB;
                                                                                2000 Annual Report to
                                                                                Stockholders under the
                                                                                caption "Overview"

Item  2.       Description of Property.......................................   Item 2 of Form 10-KSB

Item  3.       Legal Proceedings.............................................   Item 3 of Form 10-KSB

Item  4.       Submission of Matters to a Vote of Security Holders...........   Item 4 of Form 10-KSB

                                               PART II.
                                               --------

Item  5.       Market for Common Equity and Related Stockholder                 Item 5 of Form 10-KSB;
               Matters                                                          Annual Report to Stock-
                                                                                Holders under the caption
                                                                                "Table 14: Common Stock
                                                                                Market Price and
                                                                                Dividends Per Share"

Item 6.        Management's Discussion and Analysis of
               Financial Condition and Results of Operations.................   2000 Annual Report to
                                                                                Stockholders under the
                                                                                captions "Overview,"
                                                                                "Earnings Analysis,"
                                                                                "Balance Sheet Analysis,"
                                                                                "Capital Adequacy and
                                                                                Resources,"and "Asset-
                                                                                Liability Management."

Item 7.        Financial Statements .........................................   2000 Annual Report to
                                                                                Stockholders under the
                                                                                caption
</TABLE>

                                       2
<PAGE>

<TABLE>
<S>                                                             <C>
                                                                "Independent Auditor's
                                                                Report" and accompany-
                                                                ing financial statements
                                                                and notes.


Item 8.   Changes in and Disagreements with Accountants,
          Accounting and Financial Disclosure................   Not Applicable
</TABLE>

                                       3
<PAGE>

                            EUFAULA BANCCORP, INC.
                         ANNUAL REPORT ON FORM 10-KSB
                               December 31, 2000



CROSS REFERENCE SHEET AND INDEX (Continued)



                                   PART III.
                                   ---------


ITEM NO.
--------
LOCATION*
--------

Item 9.   Directors, Executive Officers, Promoters
          and Control Persons; Compliance with
          Section 16(a) of the Exchange Act..............  2000 Annual Report to
                                                           Stockholders under
                                                           the captions
                                                           "Corporate Officers"
                                                           and "Directors"



The remaining information for Item 9 and the information required by Items 10
through 12 are incorporated by reference to the Registrant's Definitive Proxy
Statement for the 2000 Annual Meeting of Stockholders to be filed with the
Securities and Exchange Commission as stated in Item 9.


Item 13.  Exhibits and Reports on Form 8-K........................   Page 7


    *  The Registrant's 2000 Annual Report to Stockholders and Definitive Proxy
       Statement are referred to above where such information is incorporated by
       reference into this Annual Report on Form 10-KSB from such 2000 Annual
       Report to Stockholders and Definitive Proxy Statement.

                                       4
<PAGE>

                            EUFAULA BANCCORP, INC.
                         ANNUAL REPORT ON FORM 10-KSB
                               December 31, 2000

                                    PART I
                                    ------

ITEM 1.   DESCRIPTION OF BUSINESS.
          -----------------------

Description of Business
-----------------------

     Eufaula BancCorp, Inc. (EBC) is a multi-bank holding company incorporated
in Delaware in 1988  for the purpose of holding all of the outstanding stock of
Southern Bank of Commerce (SBC).  Between 1981 and 2000, EBC acquired one other
bank, First American Bank of Walton County (FAB).

     The subsidiary banks offer customary services of banks of similar size and
similar markets, including interest-bearing and non-interest-bearing deposit
accounts, commercial, real estate and personal loans, correspondent banking
services and safe deposit box activities. For further discussion of EBC
operations, see the 2000 Annual Report to Stockholders under the caption
"Overview," which is incorporated by reference.

Competition
-----------

     The banking business is highly competitive.  The banking subsidiaries of
EBC compete actively with national and state banks, savings and loan
associations, trust companies, securities dealers, mortgage bankers, finance
companies and insurance companies.

Regulation
----------

     EBC is a registered bank holding company pursuant to the Bank Holding
Company Act of 1956, as amended (the "Act"), and as such, is subject to
regulation and examination by the Federal Reserve Board and is required to file
with the Federal Reserve Board annual reports and other information regarding
the business operations of itself and its subsidiaries. The Act provides that a
bank holding company is required to obtain Federal Reserve Board approval for
the acquisition of more than 5% of the voting securities or substantially all of
the assets of any bank or bank holding company, unless it already owns a
majority of the voting securities of such bank. The Act prohibits EBC from
engaging in any business other than banking or bank-related activities
specifically allowed by the Federal Reserve Board. The Act also prohibits EBC
and its subsidiaries from engaging in certain tie-in arrangements in connection
with the extension of credit, the lease or sale of property or the provision of
any services. Under Title VI of the Financial Institutions, Reform, Recovery and
Enforcement Act of 1989, the Act has been amended to authorize bank holding
companies to acquire savings and thrift institutions without tandem operations
restrictions.

                                       5
<PAGE>

     EBC's two banking subsidiaries ("the Banks") are subject to a variety of
regulations concerning the maintenance of reserves against deposits, limitations
on the rates that can be charged on loans or paid on deposits, branching,
restrictions on the nature and amounts of loans and investments that can be made
and limits on daylight overdrafts.  All of the Banks are regulated by the
Federal Deposit Insurance Corporation.  In addition, as state banking
associations, SBC and FAB are subject to the regulation and supervision of
Alabama and Florida State Bank Departments, respectively.

     The Banks are limited in the amount of dividends they may declare.  Prior
approval must be obtained from the appropriate regulatory authorities before
dividends can be paid by the Banks to EBC if the amount of adjusted capital,
surplus and retained earnings is below defined regulatory limits.  See Note 15
of Notes to the Consolidated Financial Statements, which is incorporated by
reference into Item 8 of this Annual Report on Form 10-KSB.  The Banks are also
restricted from extending credit or making loans to or investments in EBC and
certain other affiliates as defined in the Federal Reserve Act.  Furthermore,
loans and extensions of credit are subject to certain other collateral
requirements.

     On November 12, 1999, President Clinton signed into law the Gramm-Leach-
Bliley Act ("GLBA").

     GLBA enables bank holding companies to acquire insurance companies and
securities firms and repeals certain depression-era laws which prohibited the
affiliation of banks and those other financial services entities under a single
holding company.  Bank holding companies and other types of financial service
entities may elect to become financial holding companies under the new law.
Financial holding companies are permitted to engage in activities considered
financial in nature, and other activities that are determined to be incidental
or complementary to financial activities as defined in GLBA, and may engage in a
broader range of activities than are otherwise permitted for bank holding
companies or banks.  GLBA will enable financial holding companies to offer a
variety of financial services, or services incidental or complementary to
financial services, including banking, securities underwriting, merchant banking
and insurance (both underwriting and agency services).  The new financial
services authorized by GLBA also may be engaged in by a "financial subsidiary"
of a national or state bank, with the exception of insurance or annuity
underwriting, insurance company portfolio investments, real estate investment
and development, and merchant banking, all of which must be conducted under the
financial holding company.

     To become a financial holding company, a bank holding company must provide
notice to the Federal Reserve Board of its intention to become a financial
holding company, and certify to the Federal Reserve Board that each of its bank
subsidiaries is "well-capitalized," "well-managed" and has at least a
"satisfactory" rating under the CRA.

     GLBA establishes a system of functional regulation under which the Federal
Reserve Board will regulate the banking activities of financial holding
companies and serve as the umbrella regulator for activities that are separately
regulated, either at the state or federal level, such as insurance and
securities activities.  Other federal regulators will regulate banks' financial

                                       6
<PAGE>

subsidiaries.  The SEC will regulate securities activities of financial holding
companies and state insurance regulators will regulate insurance activities.
GLBA also provides new protections against the transfer and use by financial
institutions of consumers' non-public, personal information.

     At this time, EBC is not a financial holding company under GLBA.


Employees
---------

     At December 31, 2000, EBC and its subsidiaries had approximately 99  full-
time equivalent employees and considers its relationship with its employees to
be good.

Executive Officers
------------------

     See Item 9 below.

Cautionary Statement Forward-Looking Statements
-----------------------------------------------

     This Report and the documents incorporated herein by reference use certain
forward-looking statements about the financial status, operations and business
of EBC.  The words "estimate," "project," "intend," "anticipate," "expect,"
"believe" and similar expressions identify forward-looking statements.  These
forward-looking statements are subject to risks and uncertainties that could
cause actual results to differ materially from those contemplated in such
statements. Because forward-looking statements involve risks and uncertainties,
there are important factors that could cause actual results to differ materially
from those expressed or implied by the forward-looking statements. Those factors
are risks associated with the banking business, including the potential adverse
effect of competition, interest rate risks, the potential adverse effect of
unpredictable economic conditions, potential limitations on growth resulting
from low lending limits, changes in the regulatory environment and other
factors.


ITEM 2.   DESCRIPTION OF PROPERTY.
          -----------------------

Properties
----------

     The two banking subsidiaries of EBC hold in fee and primarily occupy their
main office buildings.  In addition, the subsidiaries occupy and operate
branches located in eight (8) communities throughout Alabama and Florida.  The
majority of the branch locations are held in fee.  The locations not held in fee
are leased for various terms.  EBC leases real property in connection with its
corporate administrative operations.  EBC does not own any real property.  The
administrative office space required for EBC's officers and employees is leased
from a third party.

                                       7
<PAGE>

ITEM 3.   LEGAL PROCEEDINGS.
          -----------------

Legal Proceedings
-----------------

     EBC and its subsidiaries have been named as defendants in various legal
actions arising from normal business activities in which damages of various
amounts are claimed.  The amount, if any, of ultimate liability with respect to
such matters cannot be determined.  However, after consulting with legal
counsel, management believes any such liability will not have a material effect
on EBC's consolidated financial condition or results of operations.


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

     Not applicable.


                                    PART II
                                    -------

ITEM 5.   MARKET FOR COMMON EQUITY AND RELATED STOCKHOLDER MATTERS.
          --------------------------------------------------------

     The common stock of EBC is traded as a NASDAQ - Small Cap security, and EBC
has approximately 331 holders of record.  The information otherwise required in
response to this Item is incorporated by reference from the disclosure contained
under the caption "Table 14: Common Stock Market Price and Dividends Per Share"
of the Annual Report to Stockholders, which is included as Exhibit 13 hereto.


ITEM 6.   MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND
          ---------------------------------------------------------------
          RESULTS OF OPERATIONS.
          ---------------------

     The information required in response to this Item is incorporated by
reference from the disclosure contained under the captions "Overview," "Earnings
Analysis," "Balance Sheet Analysis," "Capital Adequacy and Resources," "Asset-
Liability Management" of the Annual Report to Stockholders, which is included as
Exhibit 13 hereto.


ITEM 7.   FINANCIAL STATEMENTS.
          --------------------

     The information required in response to this Item is incorporated by
reference from the disclosure contained under the caption "Independent Auditor's
Report" and accompanying financial statements and notes of the Annual Report to
Stockholders, which is included as Exhibit 13 hereto.

                                       8
<PAGE>

ITEM 8.   CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND
          ---------------------------------------------------------------
          FINANCIAL DISCLOSURE.
          --------------------

     Not applicable.

                                   PART III
                                   --------

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

     The following shows the executive officers of EBC:

     James R. Balkcom, 56          Chairman of EBC since December, 2000.

     Gregory B. Faison, 53         President and CEO of EBC since November,
                                   1988.

     Deborah M. Wiltse, 48         Chief Financial Officer and Principal
                                   Accounting Officer of EBC since March, 2001
                                   and Secretary and Treasurer since March,
                                   2001.

     The remaining information required in response to this Item is incorporated
by reference from the Definitive Proxy Statement for the 2001 Annual Meeting
under the captions "Election of Directors" and "Section 16(a) Beneficial
Ownership Reporting Compliance" which will be filed with the Securities and
Exchange Commission no later than 120 days after the end of the 2000 fiscal year
covered by this Annual Report on 10-KSB.


ITEM 10.  EXECUTIVE COMPENSATION.
          ----------------------

     The information required in response to this Item is incorporated by
reference from the Definitive Proxy Statement for the 2001 Annual Meeting under
the caption "Executive Compensation" which will be filed with the Securities and
Exchange Commission no later than 120 days after the end of the 2000 fiscal year
covered by this Annual Report on 10-KSB.


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

     The information required in response to this Item is incorporated by
reference from the Definitive Proxy Statement for the 2001 Annual Meeting under
the caption "Voting Securities and Principal Stockholders" which will be filed
with the Securities and Exchange Commission no later than 120 days after the end
of the 2000 fiscal year  covered by this Annual Report on 10-KSB.

                                       9
<PAGE>

ITEM 12.    CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS.
            ----------------------------------------------

     The information required in response to this Item is incorporated by
reference from the Definitive Proxy Statement for the 2001 Annual Meeting under
the caption "Certain Relationships and Related Transactions" which will be filed
with the Securities and Exchange Commission no later than 120 days after the end
of the 2000 fiscal year  covered by this Annual Report on 10-KSB.


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

ITEM 13(a)  EXHIBITS
----------  --------

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

3.1            Restated Certificate of Incorporation of the Registrant (filed as
               Exhibit 3.1 to the Registrant's Annual Report on Form 10-KSB
               (File No. 33-23062) filed with the Commission on March 23, 1998,
               and incorporated herein by reference).

3.2            Bylaws of the Registrant (amended and restated as of March 18,
               1998) (filed as Exhibit 3.2 to the Registrant's Annual Report on
               Form 10-KSB (File No. 33-23062) filed with the Commission on
               March 23, 1998 and incorporated by reference).

4              Articles 4, 5, 8, 9 and 10 of the Certificate of Incorporation
               and Article II of the Bylaws contained at Exhibits 3.1 and 3.2,
               respectively, herein and incorporated herein by reference.

10.1           Eufaula Bank & Trust Company Employee Stock Purchase Plan (filed
               as Exhibit 10.1 to the Registrant's Annual Report on Form 10-KSB
               (File No. 33-23062), filed with the Commission on April 29, 1994
               and incorporated herein by reference.)

10.2           Eufaula Bank & Trust Company Retirement Plan (filed as Exhibit
               4.1 to the Registrant's Registration Statement on Form S-8 (File
               Number 333-53520), filed with the Commission on January 11, 2001
               and incorporated herein by reference).

10.3           Registrant's Stock Option Agreement (filed as Exhibit 10.3 to the
               Registrant's Annual Report on Form 10-KSB (File Number 33-23062),
               filed with the Commission on April 29, 1994 and incorporated
               herein by reference).

                                       10
<PAGE>

10.4           Directors Deferred Compensation Plan (filed as Exhibit 4.1 to the
               Registrant's Registration Statement on Form S-8 (File Number 333-
               53518) filed with Commission on January 11, 2001, and
               incorporated herein by reference).

10.5           Deferred Compensation Agreement between Eufaula Bank & Trust
               Company and Director (Sample Form) effective July 23, 1996 (filed
               as Exhibit 10.5 to the Registrant's Annual Report on Form 10-KSB
               (File Number 33-23062), filed with the Commission on March 31,
               1997 and incorporated herein by reference).

10.6           Eufaula BancCorp, Inc. 2000 Stock Option Plan filed as an Exhibit
               to the Registrant's Proxy Statement dated April 20, 2000 for its
               2000 Annual Meeting of Stockholders and incorporated herein by
               reference.

10.7           Employment Contract between the Registrant and Greg Faison.

13             Eufaula BancCorp, Inc. 2000 Annual Report to Stockholders.

21             Subsidiaries of the Registrant (filed as Exhibit 21 to the
               Registrant's Registration Statement on Form SB-2 (Registration
               No. 333-48491), filed with the Commission on April 6, 1998 and
               incorporated herein by reference).

23             Consent of Mauldin & Jenkins LLC.

24             Power of Attorney relating to this Annual Report on Form 10-KSB
               is set forth on the signature pages to this Annual Report.


ITEM 13(b)  REPORTS ON FORM 8-K.
----------  -------------------

     Not applicable.

                                       11
<PAGE>

                                  SIGNATURES
                                  ----------


     Pursuant to the requirements of Section 13 or 15(d) of the Securities
Exchange Act of 1934, the Registrant has duly caused this report to be signed on
its behalf by the undersigned, thereunto duly authorized, on this 29th day of
March, 2001.



                                   EUFAULA BANCCORP, INC.


                                    /s/ Greg B. Faison
                                    ---------------------------------
                                    By: Greg B. Faison
                                        Chief Executive Officer


                               POWER OF ATTORNEY
                               -----------------

     Each person whose signature appears below hereby authorizes Gregory B.
Faison and/or Deborah M. Wiltse, to file one or more amendments to this Annual
Report on Form 10-KSB, which amendments may make such changes to the Annual
Report on Form 10-KSB as he or she deems appropriate, and each such person
hereby appoints Gregory B. Faison and/or Deborah M. Wiltse as his lawful
attorney-in-fact to execute in the name and on behalf of each such person
individually, and in each capacity stated below, any such amendments to the
Annual Report on Form 10-KSB.

     Pursuant to the requirements of the Securities Exchange Act of 1934, this
report has been signed below by the following persons on behalf of the
Registrant and in the capacities and on the dates indicated.

SIGNATURE                                     TITLE                   DATE
---------                                     -----                   ----

/s/ James R. Balkcom, Jr.             Chairman of the Board            *
-------------------------------
 James R. Balkcom, Jr.


/s/ Gregory B. Faison             President and Chief Executive        *
-------------------------------
 Gregory B. Faison                           Officer


/s/ Deborah M. Wiltse             Chief Financial Officer, and         *
-------------------------------
 Deborah M. Wiltse                Principal Accounting Officer


/s/ Robert M. Dixon                         Director                   *
-------------------------------
 Robert M. Dixon

                                       12
<PAGE>

/s/ Michael C. Dixon                        Director                   *
-------------------------------
 Michael C. Dixon


/s/ Burt H. Rowe, Jr.                       Director                   *
-------------------------------
 Burt H. Rowe, Jr.


/s/ James A. Faulkner                       Director                   *
-------------------------------
 James A. Faulkner


/s/ William D. Moorer, Jr.                  Director                   *
-------------------------------
 William D. Moorer, Jr.


/s/ Dennis A. Wallace                       Director                   *
-------------------------------
 Dennis A. Wallace



* March 29, 2001

                                       13
<PAGE>

                            EUFAULA BANCCORP, INC.
                          ANNUAL REPORT ON FORM 10-K
                               December 31, 2000



                                 EXHIBIT INDEX
                                 -------------


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

3.1            Restated Certificate of Incorporation of the Registrant (filed as
               Exhibit 3.1 to the Registrant's Annual Report on Form 10-KSB
               (File No. 33-23062) filed with the Commission on March 23, 1998,
               and incorporated herein by reference).

3.2            Bylaws of the Registrant (amended and restated as of March 18,
               1998) (filed as Exhibit 3.2 to the Registrant's Annual Report on
               Form 10-KSB (File No. 33-23062) filed with the Commission on
               March 23, 1998 and incorporated by reference).

4              Articles 4, 5, 8, 9 and 10 of the Certificate of Incorporation
               and Article II of the Bylaws contained at Exhibits 3.1 and 3.2,
               respectively, herein and incorporated herein by reference.

10.1           Eufaula Bank & Trust Company Employee Stock Purchase Plan (filed
               as Exhibit 10.1 to the Registrant's Annual Report on Form 10-KSB
               (File No. 33-23062), filed with the Commission on April 29, 1994
               and incorporated herein by reference.)

10.2           Eufaula Bank & Trust Company Retirement Plan (filed as Exhibit
               4.1 to the Registrant's Registration Statement on Form S-8 (File
               Number 333-53520), filed with the Commission on January 11, 2001
               and incorporated herein by reference).

10.3           Registrant's Stock Option Agreement (filed as Exhibit 10.3 to the
               Registrant's Annual Report on Form 10-KSB (File Number 33-23062),
               filed with the Commission on April 29, 1994 and incorporated
               herein by reference).

10.4           Directors Deferred Compensation Plan (filed as Exhibit 4.1 to the
               Registrant's Registration Statement on Form S-8 (File Number 333-
               53518) filed with Commission on January 11, 2001, and
               incorporated herein by reference).

10.5           Deferred Compensation Agreement between Eufaula Bank & Trust
               Company and Director (Sample Form) effective July 23, 1996 (filed
               as Exhibit 10.5 to

                                       14
<PAGE>

               the Registrant's Annual Report on Form 10-KSB (File Number 33-
               23062), filed with the Commission on March 31, 1997 and
               incorporated herein by reference).

10.6           Eufaula BancCorp, Inc. 2000 Stock Option Plan filed as an Exhibit
               to the Registrant's Proxy Statement dated April 20, 2000 for its
               2000 Annual Meeting of Stockholders and incorporated herein by
               reference.

10.7           Employment Contract between the Company and Greg Faison.

13             Eufaula BancCorp, Inc. 2000 Annual Report to Stockholders.

21             Subsidiaries of the Registrant (filed as Exhibit 21 to the
               Registrant's Registration Statement on Form SB-2 (Registration
               No. 333-48491), filed with the Commission on April 6, 1998 and
               incorporated herein by reference).

23             Consent of Mauldin & Jenkins LLC.

24             Power of Attorney relating to this Annual Report on Form 10-KSB
               is set forth on the signature pages to this Annual Report.


                                       15