----

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**U.S.        SECURITIES AND EXCHANGE COMMISSION**

**FORM        10-KSB/A**

**(Amendment        No. 1)**

| x | Annual                  report pursuant to Section 13 or 15(d) of the Securities Exchange                  Act of                  1934 |
|---|-----------------------------------------------------------------------------------------------------------------------------------------|

**December        31, 2005**

| o | Transition                  report under Section 13 or 15(d) of the Securities Exchange Act                  of                  1934* * |
|---|-----------------------------------------------------------------------------------------------------------------------------------------------|

**SEASONS        BANCSHARES, INC.**

|   | **Georgia**                                                                                      |   | **58-2633700**                                     |   |
|--------|--------------------------------------------------------------------------------------------------|--------|----------------------------------------------------|--------|
|   | (State                  or other jurisdiction of incorporation                  or organization) |   | (IRS                  Employer Identification No.) |   |
|   |                                                                                             |   |                                               |   |
|   | **336                  Blue Ridge Street, Blairsville, GA**                                      |   | **30512**                                          |   |
|   | (Address                  of Principal Executive Offices)                                        |   | (Zip                  Code)                        |   |

**None.**

**Common        stock, par value $1.00.**

**$4,566,883**

**$9,224,976        based on 768,748 shares at $12.00 per share.**

**1,032,890        shares as of March 17, 2006**
**.**

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**TABLE        OF CONTENTS**

|                          |                                                                                                                                                                   | **Page** |
|-------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------|
|                          |                                                                                                                                                                   |     |
| **PART                  III** |                                                                                                                                                                   | **1**    |
|                          |                                                                                                                                                                   |     |
| **ITEM                  9.**  | **DIRECTORS,                  EXECUTIVE OFFICERS, PROMOTERS AND CONTROL PERSONS;                  COMPLIANCE WITH SECTION 16(a) OF THE EXCHANGE                  ACT** | **1**    |
|                          |                                                                                                                                                                   |     |
| **ITEM                  10.** | **EXECUTIVE                  COMPENSATION**                                                                                                                            | **3**    |
|                          |                                                                                                                                                                   |     |
| **ITEM                  11.** | **SECURITY                  OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT                  AND RELATED STOCKHOLDER MATTERS**                                   | **5**    |
|                          |                                                                                                                                                                   |     |
| **ITEM                  12.** | **CERTAIN                  RELATIONSHIPS AND RELATED                  TRANSACTIONS**                                                                                   | **7**    |
|                          |                                                                                                                                                                   |     |
| **ITEM                  13.** | **EXHIBITS**                                                                                                                                                           | **7**    |

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*Table              of Contents*

**PART        III**

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

**Directors        and Executive Officers**

|  **Name                  (Age)**       | **Director****Since** | **Position                  with the Company And Business Experience**                                                                                                                                                             |
|---------------------------------------------|-----------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                        |                  |                                                                                                                                                                                                                               |
|                                        |                  | **                     Class I Directors***(Term                  Expiring 2007)*                                                                                                                                   |
|                                        |                  |                                                                                                                                                                                                                               |
| William                  L. Sutton (67)     | 2005                  | Chief                  Executive Officer of the Company and the Bank; Chief Executive                  Officer of                  American Bank & Trust and American Banking Company in Lake Wales,                  Florida. |
|                                        |                  |                                                                                                                                                                                                                               |
| James                  L. Burrell, Jr. (52) | 2001                  | Owner                  of Burrell Farm (cattle farm).                                                                                                                                                                              |
|                                        |                  |                                                                                                                                                                                                                               |
| Teresa                  L. Colditz (40)     | 2001                  | Owner                  of Colditz Trucking.                                                                                                                                                                                        |
|                                        |                  |                                                                                                                                                                                                                               |
| John                  H. Ketner, Jr. (64)   | 2003                  | Former                  Chief Executive Officer of the Company and Bank; previously President                  and                  Chief Executive Officer of Centennial Bank, Pinehurst, North                  Carolina.        |
|                                        |                  |                                                                                                                                                                                                                               |
|                                        |                  | **                     Class II Directors***(Term                  Expiring 2008)*                                                                                                                                  |
|                                        |                  |                                                                                                                                                                                                                               |
| Lon                  A. Dillard (35)        | 2001                  | President                  and Owner of Appalachian Water, Inc.; President and Owner of Byers                  Well                  Drilling, Inc.                                                                                |
|                                        |                  |                                                                                                                                                                                                                               |
| David                  K. George (49)       | 2001                  | President                  of the Company and the Bank; Senior Loan Officer of the Bank; previously                  Senior Vice President and Loan Officer of Bank of                  Hiawassee.                                 |
|                                        |                  |                                                                                                                                                                                                                               |
| Jeffrey                  H. Hall (47)       | 2001                  | Owner                  of Studio 129 (advertising company); Production Manager for Mountain                  Lake                  Publishing.                                                                                     |
|                                        |                  |                                                                                                                                                                                                                               |
| T.                  Kenneth Kilpatrick (72) | 2001                  | Superior                  Court Judge; Senior Judge.                                                                                                                                                                               |

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*Table            of Contents*

|                                        |   | **                    Class III Directors***(Term                  Expiring 2006)*                                                                           |
|---------------------------------------------|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                        |   |                                                                                                                                                                   |
| F.                  Darrell Mann (56)       | 2001   | Owner                  of Real Estate Brokerage Business.                                                                                                              |
|                                        |   |                                                                                                                                                                   |
| Timothy                  A. Nelson (54)     | 2001   | Owner                  of Depot Power Center, Inc. (retail power equipment); Director                  of Blue                  Ridge Fitness Center.                  |
|                                        |   |                                                                                                                                                                   |
| Robert                  M. Thomas, Jr. (49) | 2001   | Chairman                  of the Board of Directors of the Company and the Bank; President                  and Owner                  of Thomas Insurance Group, Inc. |
|                                        |   |                                                                                                                                                                   |
| John                  Mark Turner (39)      | 2001   | Owner                  of Mountain Eye Care (optometry                  practice).                                                                                     |

**Audit,        Compliance, CRA and IT Committee.**

**Section        16(a) Beneficial Ownership Reporting Compliance**

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*Table            of Contents*

| **ITEM                  10.** | **EXECUTIVE                  COMPENSATION** |
|-------------------------------|---------------------------------------------|

**Summary        Compensation Table.**

|                                                 |   |                   |   | Annual                  Compensation |    | Long-Term                  Compensation |                  |
|------------------------------------------------------|--------|------------------------|--------|--------------------------------------|---------|-----------------------------------------|-----------------------|
|    Name                  and Position |   |    Year |   |   Salary($)                |    |   Bonus($)                    |                  | OtherAnnualCompensation($) |   |  Number                  ofSecuritiesUnderlyingOptions |   |  All                  OtherCompensation(1)($) |   |
|                                                 |   |                   |   |                                 |    |                                    |                  |   |   |   |   |   |   |
| William                  L. Sutton                   |   |                   | 2005   |                                 | $       | 39,400                                  |  (2)   | $ | 0 |   | $ | 0 |   |   | 25,000 |   |   | N/A |   |
|                                                 |   |                   |   |                                 |    |                                    |                  |   |   |   |   |   |   |   |   |   |   |   |   |
| David                  K. George,                    |   |                   | 2005   |                                 | $       | 131,531                                 |                  | $ | 11,500 |   | $ | 0 |   |   | 0 |   |   | N/A |   |
| President                                            |   |                   | 2004   |                                 | $       | 115,000                                 |                  | $ | 0 |   | $ | 0 |   |   | 0 |   |   | N/A |   |
|                                                 |   |                   | 2003   |                                 | $       | 94,000                                  |                  | $ | 0 |   | $ | 0 |   |   | 22,846 |   |   | N/A |   |
|                                                 |   |                   |   |                                 |    |                                    |                  |   |   |   |   |   |   |   |   |   |   |   |   |
| John                  H. Ketner, Jr.,                |   |                   | 2005   |                                 | $       | 26,411                                  |  (3)   | $ | 10,000 |   | $ | 0 |   |   | 0 |   |   | N/A |   |
| Chief                  Executive Officer             |   |                   | 2004   |                                 | $       | 100,000                                 |                  | $ | 0 |   | $ | 0 |   |   | 30,000 |   |   | N/A |   |
|                                                 |   |                   | 2003   |                                 | $       | 4,100                                   |  (4)   | $ | 0 |   | $ | 0 |   |   | 0 |   |   | N/A |   |
|                                                 |   |                   |   |                                 |    |                                    |                  |   |   |   |   |   |   |   |   |   |   |   |   |
| Nita                Elliott                          |   |                   | 2005   |                                 | $       | 98,649                                  |                  | $ | 8,625 |   | $ | 0 |   |   | 7,000 |   |   | N/A |   |
| Chief                Financial Officer               |   |                   | 2004   |                                 | $  |  86,250                            |                  | $ |  0 |   | $ |  0 |   |   |  0 |   |   | N/A |   |
|                                                 |   |                   | 2003   |                                 | $       |  75,000                            |                  | $ |  0 |   | $ |  0 |   |   |  3,000 |   |   | N/A |   |

| (1) | We                  have omitted information on “perks” and other personal benefits because                  the aggregate value of these items does not meet the minimum amount                  required for disclosure under the Securities and Exchange Commission’s                  regulations. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (2) | Consists                  of salary paid to Mr. Sutton for his service as Chief Executive                  Officer                  from October 3 - December 31, 2005, at an annualized rate of                  $157,600. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (3) | Consists                  of salary paid to Mr. Ketner for services performed from January                  1 - March                  28, 2005, the date of Mr. Ketner’s                  resignation. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (4) | Consists                  of salary paid to Mr. Ketner for his service as Chief Executive                  Officer                  from December 14 - December 31, 2003 at an annualized rate of                  $100,000. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**Employment        Agreements**

***William        L. Sutton***

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*Table            of Contents*

***David        K. George***

**Option        Grants in Fiscal Year 2005**

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*Table            of Contents*

|     Name       |   |  Number                  ofSecuritiesUnderlyingOptions                  Granted |   | Percent                  of TotalOptionsGranted                  toEmployees                  inFiscal                  Year |   |  WeightedAverageExercise                  PricePer                  Share |   |     Expiration                  Date |   |
|------------------------------------|--------|--------------------------------------------------------------------------------------|--------|------------------------------------------------------------------------------------------------------------------------------|--------|--------------------------------------------------------------------------------|--------|----------------------------------------------------------|--------|
|                               |   |                                                                                 |   |                                                                                                                         |   |                                                                           |   |                                                     |   |
| William                  L. Sutton |   |                                                                                 | 25,000 |                                                                                                                         |   | 78.1                                                                           | %      | $                                                        | 12.00  |   |   | October                  3, 2015 |   |
|                               |   |                                                                                 |   |                                                                                                                         |   |                                                                           |   |                                                     |   |   |   |   |   |
| Nita                Elliott        |   |                                                                                 | 7,000  |                                                                                                                         |   | 21.9                                                                           | %      | $                                                        | 10.00  |   |   | January                5, 2015 |   |

**Director        Compensation**

| **ITEM                  11.** | **SECURITY                  OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND                  MANAGEMENT AND                  RELATED STOCKHOLDER                  MATTERS** |
|-------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**Beneficial        Ownership of Securities**

| **Name**                               |   | **Number****of                  Shares** |   | **Percent****of                  Class** |   | **Nature                  of Beneficial Ownership**                                                                                                                                                                                                                                                  |
|----------------------------------------|--------|------------------------------------------|--------|------------------------------------------|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                   |   |                                     |   |                                     |   |                                                                                                                                                                                                                                                                                                 |
| William                  L. Sutton     |   | 2,000                                    |   | *                                        |   |                                                                                                                                                                                                                                                                                                 |
|                                   |   |                                     |   |                                     |   |                                                                                                                                                                                                                                                                                                 |
| David                  K. George       |   | 75,346                                   |   | 7.0                                      |   | Includes                  options to purchase 22,846 shares and a warrant to purchase 25,000                  shares                  that are exercisable within 60 days of the date of this Annual                  Report.                                                                        |
|                                   |   |                                     |   |                                     |   |                                                                                                                                                                                                                                                                                                 |
| James                  L. Burrell, Jr. |   | 54,099                                   |   | 5.1                                      |   | Includes                  12,432 shares owned by an IRA for the benefit of Mr. Burrell’s spouse and                  20,000 shares that Mr. Burrell has the right to purchase by exercising                  a                  warrant within 60 days of this Annual                  Report. |

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*Table            of Contents*

| **Name**                                                                                                  |   | **Number****of                    Shares** |   | **Percent****of                    Class** |   | **Nature                    of Beneficial Ownership**                                                                                                                                                                                                                                                                                                                    |
|-----------------------------------------------------------------------------------------------------------|--------|--------------------------------------------|--------|--------------------------------------------|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                                                                                      |   |                                       |   |                                       |   |                                                                                                                                                                                                                                                                                                                                                                     |
| Teresa                    L. Colditz                                                                      |   | 44,167                                     |   | 4.2                                        |   | Includes                    20,000 shares that Ms. Colditz has the right to purchase by exercising                    a                    warrant within 60 days of this Annual Report.                                                                                                                                                                                 |
|                                                                                                      |   |                                       |   |                                       |   |                                                                                                                                                                                                                                                                                                                                                                     |
| Lon                    A. Dillard                                                                         |   | 54,167                                     |   | 5.1                                        |   | Includes                    25,000 shares that Mr. Dillard has the right to purchase by exercising                    a                    warrant within 60 days of this Annual Report.                                                                                                                                                                                 |
|                                                                                                      |   |                                       |   |                                       |   |                                                                                                                                                                                                                                                                                                                                                                     |
| Nita                    Elliott                                                                           |   | 5,333                                      |   | *                                          |   | Includes                    options to purchase 5,333 shares that are exercisable within                    60 days of                    this Annual Report.                                                                                                                                                                                                            |
|                                                                                                      |   |                                       |   |                                       |   |                                                                                                                                                                                                                                                                                                                                                                     |
| Jeffrey                    H. Hall                                                                        |   | 22,000                                     |   | 2.1                                        |   | Includes                    11,000 shares that Mr. Hall has the right to purchase by exercising                    a                    warrant within 60 days of the date of this Annual                    Report.                                                                                                                                                     |
|                                                                                                      |   |                                       |   |                                       |   |                                                                                                                                                                                                                                                                                                                                                                     |
| John                    H Ketner, Jr.                                                                     |   | 10,300                                     |   | *                                          |   | Includes                    options to purchase 10,000 shares that are exercisable within                    60 days of                    the date of this Annual Report.                                                                                                                                                                                               |
|                                                                                                      |   |                                       |   |                                       |   |                                                                                                                                                                                                                                                                                                                                                                     |
| T.                    Kenneth Kilpatrick                                                                  |   | 2,424                                      |   | *                                          |   | Includes                    1,000 shares that Mr. Kilpatrick has the right to purchase by                    exercising a                    warrant within 60 days of the date of this Annual                    Report.                                                                                                                                                |
|                                                                                                      |   |                                       |   |                                       |   |                                                                                                                                                                                                                                                                                                                                                                     |
| F.                    Darrell Mann                                                                        |   | 45,226                                     |   | 4.3                                        |   | Includes                    21,571 shares that Mr. Mann has the right to purchase by exercising                    a                    warrant within 60 days of the date of this Annual                    Report.                                                                                                                                                     |
|                                                                                                      |   |                                       |   |                                       |   |                                                                                                                                                                                                                                                                                                                                                                     |
| Timothy                    A. Nelson                                                                      |   | 88,275                                     |   | 8.2                                        |   | Includes                    358 shares owned by Mr. Nelson’s spouse, 750 shares owned by an IRA for                    the benefit of Mr. Nelson and 39,000 shares that Mr. Nelson has                    the right                    to purchase by exercising a warrant within 60 days of the date                    of this                    Annual Report. |
|                                                                                                      |   |                                       |   |                                       |   |                                                                                                                                                                                                                                                                                                                                                                     |
| Robert                    M. Thomas, Jr.                                                                  |   | 75,320                                     |   | 7.0                                        |   | Includes                    320 shares owned by Mr. Thomas’ spouse and 37,500 shares that Mr. Thomas                    has the right to purchase by exercising a warrant within 60 days                    of the                    date of this Annual Report.                                                                                                  |
|                                                                                                      |   |                                       |   |                                       |   |                                                                                                                                                                                                                                                                                                                                                                     |
| John                    Mark Turner                                                                       |   | 42,670                                     |   | 4.1                                        |   | Includes                    20,085 shares that Mr. Turner has the right to purchase by exercising                    a                    warrant within 60 days of the date of this Annual                    Report.                                                                                                                                                   |
|                                                                                                      |   |                                       |   |                                       |   |                                                                                                                                                                                                                                                                                                                                                                     |
| **All                    directors and****executive                    officers as a group (13 persons)** |   | 521,327                                    |   | 40.4                                       |   |                                                                                                                                                                                                                                                                                                                                                                     |

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*Table            of Contents*

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

| **ITEM                  13.** | **EXHIBITS** |
|-------------------------------|--------------|

| 3.1    | Articles                  of Incorporation(1)                                                                                                                                                                                                                               |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   |                                                                                                                                                                                                                                                                        |
| 3.2    | Bylaws(1)                                                                                                                                                                                                                                                                   |
|   |                                                                                                                                                                                                                                                                        |
| 4.1    | Specimen                  Common Stock Certificate(1)                                                                                                                                                                                                                       |
|   |                                                                                                                                                                                                                                                                        |
| 4.2    | See                  Exhibits 3.1, and 3.2 for provisions of the Articles of Incorporation                  and                  Bylaws defining rights of holders of the Common Stock                                                                                      |
|   |                                                                                                                                                                                                                                                                        |
| 10.1   | Lease                  Option Agreement by and between Seasons Bancshares , Inc. and Elams                  Mill                  Partners, LLC dated September 1, 2001 (lease option for main office                  property)                  (1)                       |
|   |                                                                                                                                                                                                                                                                        |
| 10.2   | Form                  of Lease Agreement by and between Seasons Bancshares, Inc. and                  Elams Mill                  Partners, LLC (leasehold for main office property) (1)                                                                                    |
|   |                                                                                                                                                                                                                                                                        |
| 10.3   | Promissory                  Note dated July 31, 2001 executed by Seasons Bancshares, Inc. in                  favor of Nexity Bank and                  form of Commercial Guaranty                  (1)                                                          |
|   |                                                                                                                                                                                                                                                                        |
| 10.4   | Seasons                  Bancshares, Inc. 2001 Stock Incentive Plan                  (1) (2)                                                                                                                                                                                |
|   |                                                                                                                                                                                                                                                                        |
| 10.5   | Form                  of Non-Qualified Option and form of an Incentive Stock Option(1)                  (2)                                                                                                                                                                 |
|   |                                                                                                                                                                                                                                                                        |
| 10.6   | Employment                  Agreement dated as of October 11, 2001 by and among Seasons Bank,                  Seasons                  Bancshares, Inc. and David K. George(1)                  (2)                                                                        |
|   |                                                                                                                                                                                                                                                                        |
| 10.7   | Employment                  Agreement dated as of June 3, 2002 by and among Seasons Bank, Seasons                  Bancshares, Inc. and David K. George (replacing the Employment                  Agreement                  at Exhibit 10.6)(2)                  (3) |
|   |                                                                                                                                                                                                                                                                        |
| 10.8   | Amendment                  to Option Agreement by and between Seasons Bancshares, Inc. and                  Elams Mill                  Partners, LLC dated June  5, 2002 (amending the Lease Option                  Agreement at Exhibit 10.1)                  (3)  |
|   |                                                                                                                                                                                                                                                                        |
| 10.9   | Employment                  Agreement dated as of September 19, 2005 by and between Seasons                  Bank and                  William L. Sutton (4)                                                                                                                |
|   |                                                                                                                                                                                                                                                                        |
| 13.1   | Seasons                  Bancshares, Inc. 2005 Annual Report to Shareholders                                                                                                                                                                                                |
|   |                                                                                                                                                                                                                                                                        |
| 22.1   | Subsidiaries                  of the Registrant                                                                                                                                                                                                                             |
|   |                                                                                                                                                                                                                                                                        |
| 24.1   | Power                  of Attorney (appears on the signature pages to this Annual Report                  on Form                  10-KSB)                                                                                                                                  |
|   |                                                                                                                                                                                                                                                                        |
| 31.1   | Certification                  of Principal Executive Officer pursuant to Rule 13a-14(a) of the                  Exchange                  Act                                                                                                                              |

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*Table            of Contents*

| 31.2   | Certification                  of Chief Financial Officer pursuant to Rule 13a-14(a) of the Exchange                  Act                                                                                                |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   |                                                                                                                                                                                                                     |
| 32.1   | Certification                  of Principal Executive Officer pursuant to 18 U.S.C. Section 1350                  as                  adopted pursuant to Section 906 of the Sarbanes-Oxley Act of                  2002 |
|   |                                                                                                                                                                                                                     |
| 32.2   | Certification                  of Chief Financial Officer pursuant to 18 U.S.C. Section 1350 as                  adopted                  pursuant to Section 906 of the Sarbanes-Oxley Act of                  2002     |

----

|   | (1) | Previously                  filed as an exhibit to the Registration Statement on Form SB-2                  (Registration No. 333-84142), filed with the SEC on March 12,                  2002. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Indicates                  a compensatory plan or contract. |
|--------|-----|-------------------------------------------------------------|

|   | (3) | Previously                  filed as an exhibit to Amendment No. 1 to the Registration Statement                  on Form SB-2 (Registration No. 333-84142), filed with the SEC on                  June 10,                  2002. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (4) | Previously                    filed as an exhibit to the Current Report on Form 8-K (Commission                    File No.                    000-50713), filed with the SEC on October 6,                    2005. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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*Table              of Contents*

**SIGNATURES**

|   | **SEASONS                BANCSHARES, INC.** |                                     |
|--------|---------------------------------------------|------------------------------------------|
|   |                                        |                                     |   |
|   |                                        |                                     |   |
|   |                                        |                                     |   |
|   | By:                                         | /s/                  William L. Sutton   |   |
|   |                                        | William                  L. Sutton       |   |
|   |                                        | Chief                  Executive Officer |   |
|   |                                        |                                     |   |
|   | Date:                                       | May                  1, 2006             |   |

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*Table              of Contents*

**EXHIBIT        INDEX**

| ExhibitNumber |   |  Exhibit                                                                                                                                                                                                                                                               |
|---------------|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|          |   |                                                                                                                                                                                                                                                                        |
| 3.1           |   | Articles                  of Incorporation(1)                                                                                                                                                                                                                               |
|          |   |                                                                                                                                                                                                                                                                        |
| 3.2           |   | Bylaws(1)                                                                                                                                                                                                                                                                   |
|          |   |                                                                                                                                                                                                                                                                        |
| 4.1           |   | Specimen                  Common Stock Certificate(1)                                                                                                                                                                                                                       |
|          |   |                                                                                                                                                                                                                                                                        |
| 4.2           |   | See                  Exhibits 3.1, and 3.2 for provisions of the Articles of Incorporation                  and                  Bylaws defining rights of holders of the Common Stock                                                                                      |
|          |   |                                                                                                                                                                                                                                                                        |
| 10.1          |   | Lease                  Option Agreement by and between Seasons Bancshares , Inc. and Elams                  Mill                  Partners, LLC dated September 1, 2001 (lease option for main office                  property)                  (1)                       |
|          |   |                                                                                                                                                                                                                                                                        |
| 10.2          |   | Form                  of Lease Agreement by and between Seasons Bancshares, Inc. and                  Elams Mill                  Partners, LLC (leasehold for main office property) (1)                                                                                    |
|          |   |                                                                                                                                                                                                                                                                        |
| 10.3          |   | Promissory                  Note dated July 31, 2001 executed by Seasons Bancshares, Inc. in                  favor of Nexity Bank and                  form of Commercial Guaranty                  (1)                                                          |
|          |   |                                                                                                                                                                                                                                                                        |
| 10.4          |   | Seasons                  Bancshares, Inc. 2001 Stock Incentive Plan                  (1) (2)                                                                                                                                                                                |
|          |   |                                                                                                                                                                                                                                                                        |
| 10.5          |   | Form                  of Non-Qualified Option and form of an Incentive Stock Option(1)                  (2)                                                                                                                                                                 |
|          |   |                                                                                                                                                                                                                                                                        |
| 10.6          |   | Employment                  Agreement dated as of October 11, 2001 by and among Seasons Bank,                  Seasons                  Bancshares, Inc. and David K. George(1)                  (2)                                                                        |
|          |   |                                                                                                                                                                                                                                                                        |
| 10.7          |   | Employment                  Agreement dated as of June 3, 2002 by and among Seasons Bank, Seasons                  Bancshares, Inc. and David K. George (replacing the Employment                  Agreement                  at Exhibit 10.6)(2)                  (3) |
|          |   |                                                                                                                                                                                                                                                                        |
| 10.8          |   | Amendment                  to Option Agreement by and between Seasons Bancshares, Inc. and                  Elams Mill                  Partners, LLC dated June  5, 2002 (amending the Lease Option                  Agreement at Exhibit 10.1)                  (3)  |
|          |   |                                                                                                                                                                                                                                                                        |
| 10.9          |   | Employment                  Agreement dated as of September 19, 2005 by and between Seasons                  Bank and                  William L. Sutton (4)                                                                                                                |
|          |   |                                                                                                                                                                                                                                                                        |
| 13.1          |   | Seasons                  Bancshares, Inc. 2005 Annual Report to Shareholders                                                                                                                                                                                                |
|          |   |                                                                                                                                                                                                                                                                        |
| 22.1          |   | Subsidiaries                  of the Registrant                                                                                                                                                                                                                             |
|          |   |                                                                                                                                                                                                                                                                        |
| 24.1          |   | Power                  of Attorney (appears on the signature pages to this Annual Report                  on Form                  10-KSB)                                                                                                                                  |
|          |   |                                                                                                                                                                                                                                                                        |
| 31.1          |   | Certification                  of Principal Executive Officer pursuant to Rule 13a-14(a) of the                  Exchange                  Act                                                                                                                              |
|          |   |                                                                                                                                                                                                                                                                        |
| 31.2          |   | Certification                  of Chief Financial Officer pursuant to Rule 13a-14(a) of the Exchange                  Act                                                                                                                                                   |
|          |   |                                                                                                                                                                                                                                                                        |
| 32.1          |   | Certification                  of Principal Executive Officer pursuant to 18 U.S.C. Section 1350                  as                  adopted pursuant to Section 906 of the Sarbanes-Oxley Act of                  2002                                                    |
|          |   |                                                                                                                                                                                                                                                                        |
| 32.2          |   | Certification                  of Chief Financial Officer pursuant to 18 U.S.C. Section 1350 as                  adopted                  pursuant to Section 906 of the Sarbanes-Oxley Act of                  2002                                                        |

|   | (1) | Previously                  filed as an exhibit to the Registration Statement on Form SB-2                  (Registration No. 333-84142), filed with the SEC on March 12,                  2002. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Indicates                  a compensatory plan or contract. |
|--------|-----|-------------------------------------------------------------|

|   | (3) | Previously                  filed as an exhibit to Amendment No. 1 to the Registration Statement                  on Form SB-2 (Registration No. 333-84142), filed with the SEC on                  June 10, 2002. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (4) | Previously                  filed as an exhibit to the Current Report on Form 8-K (Commission                  File No.                  000-50713), filed with the SEC on October 6,                  2005. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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