UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C. 20549

                                   FORM 10-QSB

              [X]  QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D)
                     OF THE SECURITIES EXCHANGE ACT OF 1934

                  For the Quarterly Period Ended March 31, 2003

                                       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 number 333-34908
                                               ---------




                North Georgia Community Financial Partners, Inc.
                ------------------------------------------------
             (Exact name of registrant as specified in its charter)

               Georgia                            58-2585603
      -----------------------         -----------------------------------
      (State of Incorporation)        (I.R.S. Employer Identification No.)

                              350 W. Belmont Drive
                            Calhoun,  Georgia  30701
                            ------------------------
                    (Address of principal executive offices)


                                  706-629-6499
                                  ------------
                (Issuer's Telephone Number, Including Area Code)

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:

                      Common stock, no par value; 912,167 shares
                          outstanding as of April 28, 2003.

          Transitional Small Business Disclosure Format   Yes    No  X


                                      -1-
<PAGE>
NORTH GEORGIA COMMUNITY FINANCIAL PARTNERS, INC.

<TABLE>
<CAPTION>
                                      INDEX
                                                                                       Page No.
                                                                                       --------
<S>       <C>                                                                          <C>
PART I    FINANCIAL INFORMATION

          Item 1.  Consolidated Financial Statements

                   Consolidated Balance Sheet (unaudited) at March 31, 2003                   3

                   Consolidated Statements of Earnings (unaudited) for the Three
                   Months Ended March 31, 2003 and 2002                                       4

                   Consolidated Statements of Comprehensive Income (Loss) (unaudited)
                   for the Three Months Ended March 31, 2003 and 2002                         5

                   Consolidated Statements of Cash Flows (unaudited) for the
                   Three Months Ended March 31, 2003 and 2002                                 6

                   Notes to Consolidated Financial Statements (unaudited)                     7 - 8

          Item 2.  Management's Discussion and Analysis of Financial Condition and
                   Results of Operations                                                      9 - 10

          Item 3.  Controls and Procedures                                                   11

PART II.  OTHER INFORMATION

          Item 1.  Legal Proceedings                                                         11

          Item 2.  Changes in Securities                                                     11

          Item 3.  Defaults Upon Senior Securities                                           11

          Item 4.  Submission of Matters to a Vote of Security Holders                       11

          Item 5.  Other Information                                                         11

          Item 6.  Exhibits and Reports on Form 8-K                                          11
</TABLE>


                                      -2-
<PAGE>
                          PART I. FINANCIAL INFORMATION

Item  1.  FINANCIAL  STATEMENTS

                NORTH GEORGIA COMMUNITY FINANCIAL PARTNERS, INC.
<TABLE>
<CAPTION>
                           Consolidated Balance Sheet

                                 March 31, 2003
                                   (Unaudited)

                                     Assets
                                     ------
<S>                                                          <C>
Cash and due from banks                                      $  2,738,504
Interest-bearing deposits in banks                                166,759
Federal funds sold                                              4,500,000
                                                             -------------
    Cash and cash equivalents                                   7,405,263
Investment securities available for sale                       16,721,291
Other investments                                                 796,025
Loans                                                          54,108,603
Less:   Allowance for loan losses                                 705,881
                                                             -------------
    Loans, net                                                 53,402,722
Premises and equipment, net                                     1,930,712
Accrued interest receivable and other assets                    1,553,360
                                                             -------------
                                                             $ 81,809,373
                                                             =============

                      Liabilities and Stockholders' Equity
                      ------------------------------------

Liabilities:
  Deposits:
    Noninterest-bearing                                      $  4,504,888
    Interest-bearing                                           62,228,789
                                                             -------------
      Total deposits                                           66,733,677

Other borrowings                                                2,000,000
Securities sold under repurchase agreements                     4,304,269
Accrued interest payable and other liabilities                    261,950
                                                             -------------
      Total liabilities                                        73,299,896
                                                             -------------

Stockholders' equity:
  Preferred stock, no par value; authorized 2,000,000 shares;
    None issued and outstanding                                         -
  Common stock, no par value; authorized 10,000,000 shares;
    912,167 shares issued and outstanding                       9,417,401
Accumulated deficit                                            (1,141,110)
Accumulated other comprehensive income                            233,186
                                                             -------------

      Total stockholders' equity                                8,509,477
                                                             -------------
                                                             $ 81,809,373
                                                             =============
<FN>
See accompanying notes to unaudited consolidated financial statements.
</TABLE>


                                      -3-
<PAGE>
                NORTH GEORGIA COMMUNITY FINANCIAL PARTNERS, INC.

<TABLE>
<CAPTION>
                      Consolidated Statements of Earnings

               For the Three Months Ended March 31, 2003 and 2002
                                  (Unaudited)


                                                                 2003           2002
                                                            ---------------  ----------
<S>                                                         <C>              <C>
Interest income:
  Interest on loans                                         $      863,822     720,951
  Interest on investment securities                                207,665     340,016
  Interest on federal funds sold                                    11,277       4,441
  Interest on deposits in other banks                                  936          60
                                                            ---------------  ----------
    Total interest income                                        1,083,700   1,065,468
                                                            ---------------  ----------
Interest expense:
  Deposits                                                         360,272     416,794
  Other borrowings                                                  12,693       8,619
  Securities sold under repurchase agreements                       17,421           -
                                                            ---------------  ----------
    Total interest expense                                         390,386     425,413
                                                            ---------------  ----------
    Net interest income                                            693,314     640,055
Provision for loan losses                                           30,000      30,000
                                                            ---------------  ----------
    Net interest income after provision for loan losses            663,314     610,055
                                                            ---------------  ----------
Other income:
  Service charges on deposit accounts                               77,289      59,347
  Gains on sales of investment securities available for sale       159,736           -
  Other operating income                                            62,358      54,122
                                                            ---------------  ----------
    Total other income                                             299,383     113,469
                                                            ---------------  ----------
Other expense:
  Salaries and employee benefits                                   335,923     301,184
  Equipment and occupancy expense                                   88,495      81,465
  Capitalized loan origination costs                               (51,090)    (45,043)
  Other operating expense                                          242,419     206,910
                                                            ---------------  ----------
    Total other expenses                                           615,747     544,516
                                                            ---------------  ----------
    Earnings before income taxes                                   346,950     179,008

Income tax expense                                                       -           -
                                                            ---------------  ----------
    Net earnings                                            $      346,950     179,008
                                                            ===============  ==========

Basic earnings per share                                    $          .38         .20
                                                            ===============  ==========
Diluted earnings per share                                  $          .37         .19
                                                            ===============  ==========
<FN>
See accompanying notes to unaudited consolidated financial statements.
</TABLE>


                                      -4-
<PAGE>
                NORTH GEORGIA COMMUNITY FINANCIAL PARTNERS, INC.

<TABLE>
<CAPTION>
             Consolidated Statements of Comprehensive Income (Loss)

                  For the Three Months Ended March 31, 2003 and 2002
                                        (Unaudited)



                                                                    2003       2002
                                                                 ----------  ---------
<S>                                                               <C>         <C>
Net earnings                                                      $ 346,950    179,008
                                                                  ----------  ---------
Other comprehensive loss:
  Unrealized losses on investment securities available for sale:
    Unrealized losses arising during the period on investment
      securities available for sale                                 (94,082)  (365,654)
    Reclassification adjustment for gains included in net earnings (159,736)         -
                                                                  ----------  ---------
Other comprehensive loss                                           (253,818)  (365,654)
                                                                  ----------  ---------
Comprehensive income (loss)                                       $  93,132   (186,646)
                                                                  ==========  =========
<FN>
See accompanying notes to unaudited consolidated financial statements.
</TABLE>


                                      -5-
<PAGE>
                NORTH GEORGIA COMMUNITY FINANCIAL PARTNERS, INC.

<TABLE>
<CAPTION>
                                     Consolidated Statements of Cash Flows
                              For the Three Months Ended March 31, 2003 and 2002
                                                  (Unaudited)

                                                                                           2003         2002
                                                                                       ------------  -----------
<S>                                                                                    <C>           <C>
Cash flows from operating activities:
  Net earnings                                                                         $   346,950      179,008
  Adjustments to reconcile net earnings to net cash provided by operating activities:
    Provision for loan losses                                                               30,000       30,000
    Depreciation, amortization and accretion                                                76,944       51,801
    Gain on sale of investment securities                                                 (159,736)           -
    Change in:
      Accrued interest receivable and other assets                                          22,848     (122,571)
      Accrued interest payable and other liabilities                                        45,070      (31,647)
                                                                                       ------------  -----------

        Net cash provided by operating activities                                          362,076      106,591
                                                                                       ------------  -----------

Cash flows from investing activities:
  Proceeds from sales of investment securities available for sale                        6,285,101            -
  Proceeds from maturities and paydowns of investment securities available for sale      1,624,348    5,208,171
  Purchases of investment securities available for sale                                 (1,781,040)  (7,026,531)
  Purchases of other investments                                                          (174,600)     (41,500)
  Net change in loans                                                                   (3,224,424)  (2,894,602)
  Purchases of premises and equipment                                                      (70,005)      (5,400)
  Proceeds from sales of other real estate                                                  19,600            -
                                                                                       ------------  -----------

        Net cash provided (used) by investing activities                                 2,678,980   (4,759,862)
                                                                                       ------------  -----------

Cash flows from financing activities:
  Net increase in deposits                                                                 683,749    1,647,966
  Net increase in securities sold under repurchase agreements                               74,134    5,287,841
  Net proceeds from sale of common stock                                                         -       12,000
                                                                                       ------------  -----------
  Net cash provided by financing activities                                                757,883    6,947,807
                                                                                       ------------  -----------
  Net change in cash and cash equivalents                                                3,798,939    2,294,536

Cash and cash equivalents at beginning of the period                                     3,606,324    1,545,188
                                                                                       ------------  -----------

Cash and cash equivalents at end of period                                             $ 7,405,263    3,839,724
                                                                                       ============  ===========

Supplemental disclosure for cash flow information:

  Change in unrealized loss on securities available for sale                           $  (253,818)    (365,654)
  Loans transferred to other real estate owned                                         $   192,704            -
  Financed sales of other real estate owned                                            $   176,991            -
<FN>
See accompanying notes to unaudited consolidated financial statements.
</TABLE>


                                      -6-
<PAGE>
                NORTH GEORGIA COMMUNITY FINANCIAL PARTNERS, INC.

                   Notes to Consolidated Financial Statements
                                   (Unaudited)

(1)  Basis  of  Presentation
     -----------------------
     The consolidated financial statements include the accounts of North Georgia
     Community  Financial  Partners,  Inc.  (the "Company") and its wholly owned
     subsidiary,  North  Georgia  National  Bank  (the  "Bank").

     The  Bank,  is a community oriented commercial bank with emphasis on retail
     banking  and  offers  such  customary  banking  services  as  consumer  and
     commercial  checking  accounts,  savings accounts, certificates of deposit,
     commercial  and  consumer  loans,  money  transfers  and a variety of other
     banking  services.

     The  accounting  principles  followed  by  the Company and the Bank and the
     methods  of  applying  these  principles conform with accounting principles
     generally  accepted in the United States of America (GAAP) and with general
     practices within the banking industry. In preparing financial statements in
     conformity  with  GAAP,  management  is  required  to  make  estimates  and
     assumptions  that  affect the reported amounts in the financial statements.
     Actual  results  could  differ significantly from those estimates. Material
     estimates  common to the banking industry that are particularly susceptible
     to significant change in the near term include, but are not limited to, the
     determinations  of  the  allowance  for  loan losses, the valuation of real
     estate  acquired in connection with or in lieu of foreclosure on loans, and
     valuation  allowances  associated with deferred tax assets, the recognition
     of  which  are  based  on  future  taxable  income.

     The  unaudited  financial  information  furnished  herein  reflects  all
     adjustments which are, in the opinion of management, necessary to present a
     fair  statement of the results of operations and financial position for the
     periods  covered  herein.  All  such  adjustments are of a normal recurring
     nature.  The  results  of operations for the three-month period ended March
     31,  2003,  are  not necessarily indicative of the results expected for the
     entire  year.  For further information, readers should refer to Form 10-KSB
     for  the  year  ended  December  31,  2002.

(2)  Cash  and  Cash  Equivalents
     ----------------------------
     For purposes of reporting cash flows, the Company changed its definition of
     cash  and  cash  equivalents  to  include  cash  and  due  from  banks,
     interest-bearing  deposits  in  banks  and  federal  funds  sold.

(3)  Earnings  Per  Share
     --------------------
     Earnings  per  common  share  are  based  on the weighted average number of
     common  shares  outstanding  during  the  period.  The effects of potential
     common  shares  outstanding  during  the  period  are  included  in diluted
     earnings  per  share. The average market price during the period is used to
     compute  equivalent  shares.  The reconciliation of the amounts used in the
     computation  of  both  basic  and  diluted earnings per share for the three
     months  ended  March  31,  2003  and  2002  are  as  follows:

<TABLE>
<CAPTION>
                                              NET     COMMON  PER SHARE
     FOR THE QUARTER ENDED MARCH 31, 2003   EARNINGS  SHARES    AMOUNT
     ------------------------------------   --------  ------  ---------
<S>                                       <C>       <C>      <C>
     Earnings per common share             $346,950  912,167  $    .38
     Effect of dilutive stock options             -   24,462      (.01)
                                           --------  -------  ---------
     Diluted earnings per common share     $346,950  936,629  $    .37
                                           ========  =======  =========

     FOR THE QUARTER ENDED MARCH 31, 2002
     ------------------------------------
     Earnings per common share             $179,008  912,134  $    .20
     Effect of dilutive stock options             -   13,333      (.01)
                                           --------  -------  ---------
     Diluted earnings per common share     $179,008  925,467  $    .19
                                           ========  =======  =========
</TABLE>


                                      -7-
<PAGE>
                NORTH GEORGIA COMMUNITY FINANCIAL PARTNERS, INC.

              Notes to Consolidated Financial Statements, continued
                                   (Unaudited)

(4)  Stock  Based  Compensation
     --------------------------
     Statement of Financial Accounting Standards (SFAS) No. 123, "Accounting for
     Stock-Based  Compensation,"  encourages,  but does not require, entities to
     compute  the  fair  value  of options at the date of grant and to recognize
     such  costs  as  compensation  expense  immediately  if there is no vesting
     period  or  ratably over the vesting period of the options. The Company has
     chosen  not  to adopt the cost recognition principles of this statement and
     accounts for stock options under Accounting Principles Board Opinion No. 25
     and  its  related  interpretations.  Had compensation costs been determined
     based upon the fair value of the options at the grant dates consistent with
     the  method  of  SFAS  No. 123, the Company's net earnings and earnings per
     share  would  have  reflected  the  proforma  amounts  below:

<TABLE>
<CAPTION>
                                                                                   March 31,
                                                                               2003        2002
                                                                           -------------  -------
<S>                                                                        <C>            <C>
       Net earnings, as reported                                           $    346,950   179,005
       Proforma stock-based compensation cost adjustments associated with
         previous grants vesting                                                 11,629         -
                                                                           -------------  -------
       Proforma net earnings                                               $    335,321   179,005
                                                                           =============  =======
       Basic earnings per share, as reported                               $        .38       .20
       Proforma stock-based compensation cost adjustments associated with
         previous grants vesting                                                   (.01)        -
                                                                           -------------  -------
       Basic proforma earnings, per share                                  $        .37       .20
                                                                           =============  =======

       Diluted earnings per share, as reported                             $        .37       .19
       Proforma stock-based compensation cost adjustments associated with
         previous grants vesting                                                   (.01)        -
                                                                           -------------  -------
       Diluted proforma earnings, per share                                $        .36       .19
                                                                           =============  =======
</TABLE>


                                      -8-
<PAGE>
Item  2.
           MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION
                            AND RESULTS OF OPERATIONS

               For the Three Months Ended March 31, 2003 and 2002

FORWARD-LOOKING  STATEMENTS

     This  discussion  contains  forward-looking  statements  under  the Private
Securities  Litigation  Reform Act of 1995 that involve risks and uncertainties.
Although  the  Company  believes  that  the  assumptions  underlying  the
forward-looking  statements  contained  in the discussion are reasonable, any of
the  assumptions  could  be  inaccurate, and therefore, no assurance can be made
that  any  of the forward-looking statements included in this discussion will be
accurate.  Factors  that  could  cause  actual  results  to  differ from results
discussed  in  forward-looking  statements  include,  but  are  not  limited to:
economic  conditions  (both  generally  and  in  the  markets  where the Company
operates); competition from other providers of financial services offered by the
Company;  government  regulation  and  legislation;  changes  in interest rates;
material  unforeseen  changes  in  the  financial stability and liquidity of the
Company's  credit customers; all of which are difficult to predict and which may
be  beyond  the control of the Company.  The Company undertakes no obligation to
revise forward-looking statements to reflect events or changes after the date of
this  discussion  or  to  reflect  the  occurrence  of  unanticipated  events.

FINANCIAL  CONDITION

     Total  assets  at  March 31, 2003, were $81,809,373 representing a $896,085
(1.11%)  increase  from December 31, 2002.   Deposits increased $683,749 (1.04%)
from  December 31, 2002.   Net loans increased $3,178,711 (6.33%). The allowance
for loan losses at March 31, 2003, totaled $705,881, representing 1.30% of total
loans compared to December 31, 2002, totals of $675,246, which represented 1.33%
of total loans. Cash and cash equivalents increased $3,798,939 from December 31,
2002.

     The  Bank  did  not  have  any  nonperforming  loans  at  March  31,  2003.
Nonperforming  loans  at  December  31,  2002  totaled  $213,053.

     Subsequent  to  March  31, 2003 the Company acquired land for future branch
expansion  at  a  cost  of  approximately  $400,000.

RESULTS  OF  OPERATIONS

     Net earnings for the three months ended March 31, 2003, were $346,950, $.37
per  diluted  share,  compared to March 31, 2002, net earnings of $179,008, $.19
per  diluted  share.

     For  the  three  months  ended  March 31, 2003, the Bank's yield on earning
assets  was  5.73%  while  the  cost  of  funding  sources was 2.35%.  While net
interest  spread  was 3.38%, net interest margin was 3.76%, an increase of three
basis  points  as  compared  to the same period in the prior year.  Net interest
margin  increased  slightly  resulting  from  a  larger  decrease in the average
interest  rate  paid  on  liabilities  compared  to  the decrease in the average
interest  rate earned on assets.  Net interest income in the aggregate increased
slightly  for  the  three  months ended March 31, 2003, over the same period for
2002  due  to  the  increased volume of earning assets.  Management monitors the
rate  sensitivity  of  earning  assets and interest-bearing liabilities over the
entire  life  of  these instruments, but places particular emphasis on the first
year.

     The  provision  for  loan losses remained the same for the first quarter of
2003 as compared to the same period in 2002.  The Bank provided $30,000 for loan
losses  in  each  period  due  primarily  to  the  loan  growth.  Based  upon an
evaluation  of  the  loan portfolio, the Company believes the allowance for loan
losses  is  adequate  to  absorb  losses  on  existing  loans  that  may  become
uncollectible.

     Other  income increased $185,914 for the three months ended March 31, 2003,
compared  to  the  same  period  for  2002.  The  increase is primarily due to a
$159,736  gain  on  the  sale  of  investment securities available for sale.  In
addition,  service  charges on deposit accounts increased $17,942 as a result of
an  increase  in  the  number  of  deposit  accounts.

     Other  expense increased $71,231 for the three months ended March 31, 2003,
compared to the same period for 2002.  The increase is primarily attributable to
an  increase  in  salaries  and  employee benefits of $34,739 and an increase in
other  operating  expenses of $35,509.  The increase in other operating expenses


                                      -9-
<PAGE>
is  primarily  attributable  to  an  increase  in  accounting  fees, purchase of
printing  supplies  and  increased  fees  related  to  the  Company's  core data
processing.  The  increase  in salaries and employees benefits is due to general
salary  increases  and  the  addition  of  two  employees.

The  Company  recorded  no income tax provisions due to cumulative net operating
losses.

LIQUIDITY  AND  CAPITAL  RESOURCES

As  of  March  31,  2003,  the  liquidity  ratio, as determined under guidelines
established  by  regulatory  authorities, was satisfactory to meet operating and
loan  funding  requirements.  The liquidity ratio (i.e. cash, short-term assets,
and  marketable  assets  divided  by  deposits  and  other  borrowings)  was
approximately  30%.  The  Company  will  continue  to monitor liquidity and make
adjustments  as  deemed  necessary.

Capital  ratios  at  March  31,  2003, were adequate based on regulatory minimum
capital  requirements.  The  capital  ratios  of  the  consolidated  company
approximate  those  of  the  Bank.  The  following  tables  present  the  Bank's
regulatory  capital  position  at  March  31,  2003

<TABLE>
<CAPTION>
<S>                                                                   <C>
          RISK-BASED CAPITAL RATIOS
          -------------------------
            Tier 1 Capital, Actual                                    14.57%
            Tier 1 Capital minimum requirement                         4.00%
                                                                      ------

              Excess                                                  10.57%
                                                                      ======

            Total Capital, Actual                                     15.82%
            Total Capital minimum requirement                          8.00%
                                                                      ------

              Excess                                                   7.82%
                                                                      ======

          LEVERAGE RATIO
          ---------------
            Tier 1 Capital to average total assets,("Leverage Ratio") 10.29%
            Minimum leverage requirement                               4.00%
                                                                      ------

              Excess                                                   6.29%
                                                                      ======
</TABLE>


These  ratios  may decline as asset growth continues, but are expected to exceed
the regulatory requirements.  Anticipated future earnings will assist in keeping
these  ratios  at  satisfactory  levels.

Management is not aware of any known trends, events or uncertainties, other than
the  effect  of events as described above, that will have or that are reasonably
likely  to  have  a  material  effect  on  the  liquidity,  capital resources or
operations.  Management  is also not aware of any current recommendations by the
regulatory authorities that would have such an effect, if they were implemented.

Item  3.  CONTROLS  AND  PROCEDURES

Within  90  days  prior  to  the date of this report, the Company carried out an
evaluation,  under  the  supervision and with the participation of the Company's
management,  including the Company's Chief Executive Officer and Chief Financial
Officer,  of  the  effectiveness  of  the  design and operation of the Company's
disclosure  controls and procedures pursuant to Exchange Act Rule 13a-14.  Based
upon  that evaluation, the Company's Chief Executive Officer and Chief Financial
Officer  concluded  that  the  Company's  disclosure controls and procedures are
effective  in  timely  alerting  them  to  material  information relating to the
Company  (including  its  consolidated  subsidiaries)  that  is  required  to be
included  in  the  Company's  periodic  filings with the Securities and Exchange
Commission.  There  have  been  no significant changes in the Company's internal
controls  or,  to  the  Company's  knowledge,  in  other  factors  that  could
significantly  affect those internal controls subsequent to the date the Company
carried  out  its  evaluation,  and  there  have been no corrective actions with
respect  to  significant  deficiencies  or  material  weaknesses.


                                      -10-
<PAGE>
                           PART II.  OTHER INFORMATION

                NORTH GEORGIA COMMUNITY FINANCIAL PARTNERS, INC.


Item 1.  Legal  Proceedings
         ------------------
         None

Item 2.  Changes  in  Securities
         -----------------------
         None

Item 3.  Defaults  Upon  Senior  Securities
         ----------------------------------
         None

Item 4.  Submission  of  Matters  to  a  Vote  of  Security  Holders
         -----------------------------------------------------------
         None

Item 5.  Other  Information
         ------------------
         None

Item 6.  Exhibits  and  Reports  on  Form  8-K
         -------------------------------------

         a)   Exhibit  -  The  following  exhibit  is  filed  with this report.
              99.1 Certification of Chief Executive Officer and Chief Financial
              Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

         b)   None


                                      -11-
<PAGE>
                NORTH GEORGIA COMMUNITY FINANCIAL PARTNERS, INC.

                                   SIGNATURES



     Pursuant  to  the  requirements 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.

                                NORTH GEORGIA COMMUNITY FINANCIAL PARTNERS, INC.


                                            By:  /s/  DAVID  J.  LANCE
                                                 ---------------------------
                                                 David  J.  Lance
                                                (Principal  Executive  Officer)


                                            Date:
                                                 ---------------------------



                                            By:  /s/  RHONDA  C.  MASSENGILL
                                                 ---------------------------
                                                 Rhonda  C.  Massengill
                                                (Principal  Financial  and
                                                 Accounting  Officer)


                                            Date:
                                                 ---------------------------


                                      -12-
<PAGE>
                     CERTIFICATE OF CHIEF EXECUTIVE OFFICER


I,  the  Chief Executive Officer, of North Georgia Community Financial Partners,
Inc.  (the  "Company"),  certify  that:

          1.   I  have  reviewed  this  quarterly  report  on Form 10-QSB of the
               Company;

          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 Company 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-14 and 15d-14) for the
               Company  and  have:

               (a)  designed  such  disclosure controls and procedures to ensure
                    that material information relating to the Company, including
                    its consolidated subsidiaries, is made known to us by others
                    within  those  entities,  particularly  during the period in
                    which  the  periodic  reports  are  being  prepared;
               (b)  evaluated  the  effectiveness  of  the  Company's  internal
                    disclosures  controls  and procedures as of a date within 90
                    days prior to 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  Company's  other  certifying  officer  and I have disclosed,
               based  on  our  most recent evaluation, to the Company's auditors
               and  the  audit  committee  of  the Company's board of directors:

               (a)  all  significant  deficiencies in the design or operation of
                    internal controls which could adversely affect the Company's
                    ability  to  record, process, summarize and report financial
                    data  and  have  identified  for  the Company'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
                    Company's  internal  controls;  and.

          6.   The  Company's  other  certifying officer 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
               their evaluation, including any corrective actions with regard to
               significant  deficiencies  and  material  weaknesses.

Dated this 13th day of May 2003.


                                   /s/  DAVID  J.  LANCE
                                   --------------------------------------
                                   David  J.  Lance,  President  and  CEO
                                   (Principal  Executive  Officer)


                                      -13-
<PAGE>
                     CERTIFICATE OF CHIEF FINANCIAL OFFICER


I,  the  Chief Financial Officer, of North Georgia Community Financial Partners,
Inc.  (the  "Company"),  certify  that:

          1.   I  have  reviewed  this  quarterly  report  on Form 10-QSB of the
               Company;

          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 Company 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-14 and 15d-14) for the
               Company  and  have:

               (a)  designed  such  disclosure controls and procedures to ensure
                    that material information relating to the Company, including
                    its consolidated subsidiaries, is made known to us by others
                    within  those  entities,  particularly  during the period in
                    which  the  periodic  reports  are  being  prepared;
               (b)  evaluated  the  effectiveness  of  the  Company's  internal
                    disclosures  controls  and procedures as of a date within 90
                    days prior to 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  Company's  other  certifying  officer  and I have disclosed,
               based  on  our  most recent evaluation, to the Company's auditors
               and  the  audit  committee  of  the Company's board of directors:

               (a)  all  significant  deficiencies in the design or operation of
                    internal controls which could adversely affect the Company's
                    ability  to  record, process, summarize and report financial
                    data  and  have  identified  for  the Company'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
                    Company's  internal  controls;  and.

          6.   The  Company's  other  certifying officer 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
               their evaluation, including any corrective actions with regard to
               significant  deficiencies  and  material  weaknesses.

Dated this 13th day of May 2003.


/s/  RHONDA  C.  MASSENGILL
---------------------------
Rhonda  C.  Massengill,  CFO
(Principal  Accounting  Officer)


                                      -14-
<PAGE>