Exhibit 31.1

CERTIFICATION
BY CHIEF EXECUTIVE OFFICER PURSUANT TORULE 13a  14(a) / 15(d)  14 (a)

I, John T.
Trammell, the Chief Executive Officer of Community Banks of Georgia, Inc. (the
"Small Business Issuer"), certify that:

|1. |  | I
have reviewed this quarterly report on Form 10-QSB of Community Banks of Georgia, Inc.;
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|2. |  | Based
on my knowledge,  this 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 report;
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|3. |  | Based
on my knowledge,  the  consolidated  financial  statements,  and other  financial
information  included in this report,  fairly present in all material  respects the
financial  condition,  results of operations and cash flows of the small business  issuer
as of, and for, the periods presented in this report;
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|4. |  | The
small business  issuer's other  certifying  officer and I are responsible  for
establishing  and  maintaining  disclosure  controls and procedures (as defined in
Exchange Act Rules 13a-15(e) and 15d-15(e)) for the small business issuer and have:
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|a) |  | Designed
such disclosure  controls and procedures,  or caused such disclosure  controls and
procedures to be designed  under our supervision,  to ensure that material information
relating to the small business issuer is made known to us  by others within those
entities, particularly during the period in which this report is being prepared;
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|b) |  | Evaluated
the effectiveness of the small business issuer's  disclosure  controls and procedures and
presented in this  report our  conclusions  about the  effectiveness  of the disclosure
controls and  procedures,  as of the end of the  period covered by this report based on
such evaluation; and
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|c) |  | Disclosed
in this report any change in the small business  issuer's  internal  control over
financial  reporting that  occurred  during the small  business  issuer's  most  recent
fiscal  quarter  that has  materially  affected,  or is  reasonably likely to materially
affect, the small business issuer's internal control over financial reporting; and
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|5. |  | The
small business  issuer's other certifying  officer and I have disclosed,  based on our
most recent  evaluation of internal  control over  financial  reporting,  to the small
business  issuer's  auditors and the audit  committee of the small business  issuer's
board of directors (or persons performing the equivalent functions):
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|a) |  | All
significant  deficiencies  and material  weaknesses in the design or operation of
internal control over financial  reporting which are reasonably  likely to adversely
affect the small business  issuer's  ability to record,  process,  summarize and report
financial information; and
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|b) |  | Any
fraud,  whether or not material,  that involves  management or other employees who have a
significant role in the  small business issuer's internal control over financial
reporting.
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Date:    November
12, 2004

/s/ John  T.
TrammelJohn T. TrammellChief Executive Officer