U.S. SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549
                             ----------------------
                                   FORM 10-KSB

(Mark  One)

[X]  Annual  report  pursuant  to Section 13 or 15(d) of the Securities Exchange
     Act  of  1934

For  fiscal  year  ended  DECEMBER  31,  2000
                          -------------------

[_]  Transition  report under Section 13 or 15(d) of the Securities Exchange Act
     of  1934

     For  the  transition  period  from                to
                                        --------------    ----------------

     Commission  file  number     000-24139
                               --------------

                         DECATUR FIRST BANK GROUP, INC.
                         ------------------------------
                 (Name of Small Business Issuer in Its Charter)

             GEORGIA                                    58-2254289
----------------------------------------    ------------------------------------
  (State  or  Other  Jurisdiction of        (I.R.S. Employer Identification No.)
  Incorporation  or  Organization)

  1120 COMMERCE DRIVE, DECATUR, GEORGIA                   30030
----------------------------------------    ------------------------------------
(Address of Principal Executive Offices)                (Zip Code)

             404-373-1000
----------------------------------------
      (Issuer's Telephone Number,
        Including Area Code)

Securities  registered  pursuant to Section 12(b) of the Act:   NONE.

Securities  registered  pursuant to Section 12(g) of the Act:   COMMON  STOCK,
                                                                $5.00 PAR VALUE.

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  past  90  days.  Yes  X    No
                                                                   ---      ---

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

State  issuer's  revenues  for  its  most  recent  fiscal  year:   $4,907,403
                                                                   ----------

State the aggregate market value of the voting and non-voting common equity held
by  non-affiliates  computed  by  reference  to the price at which the stock was
sold,  or  the  average  bid  and  asked  prices  of such common equity, as of a
specified  date  within  the  past  60  days:  THE AGGREGATE MARKET VALUE OF THE
COMPANY'S COMMON STOCK HELD BY NON-AFFILIATES WAS APPROXIMATELY $8,631,025 AS OF
MARCH  23,  2001  BASED ON A PURCHASE OF THE COMMON STOCK ON FEBRUARY 7, 2001 AT
$13.00  PER  SHARE.

                    APPLICABLE ONLY TO CORPORATE REGISTRANTS

     State  the  number of shares outstanding of each of the issuer's classes of
common equity, as of the latest practicable date.  943,465 AS OF MARCH 23, 2001.

     Transitional Small Business Disclosure format (check one):  Yes     No  X
                                                                     ---    ---

                       DOCUMENTS INCORPORATED BY REFERENCE

     Portions  of  the  Annual  Report to Shareholders for the fiscal year ended
December 31, 2000 are incorporated by reference into Part I and II.  Portions of
the Proxy Statement for the Annual Meeting of Shareholders, scheduled to be held
April  24,  2001,  are  incorporated  by  reference  into  Part  III.


<PAGE>
<TABLE>
<CAPTION>
                                 TABLE OF CONTENTS

                                                                                  Page
                                                                                  ----


<S>                                                                               <C>
PART I. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   1

  ITEM 1.     DESCRIPTION OF BUSINESS . . . . . . . . . . . . . . . . . . . . . .   1
  ITEM 2.     DESCRIPTION OF PROPERTIES . . . . . . . . . . . . . . . . . . . . .  11
  ITEM 3.     LEGAL PROCEEDINGS . . . . . . . . . . . . . . . . . . . . . . . . .  12
  ITEM 4.     SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS . . . . . . . .  12

PART II . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  12

  ITEM 5.     MARKET FOR REGISTRANT'S COMMON EQUITY AND RELATED STOCKHOLDER
              MATTERS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  12
  ITEM 6.     MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND
              RESULTS OF OPERATIONS . . . . . . . . . . . . . . . . . . . . . . .  12
  ITEM 7.     FINANCIAL STATEMENTS. . . . . . . . . . . . . . . . . . . . . . . .  13
  ITEM 8.     CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND
              FINANCIAL DISCLOSURE. . . . . . . . . . . . . . . . . . . . . . . .  13

PART III. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  13

  ITEM 9.     DIRECTORS, EXECUTIVE OFFICERS, PROMOTERS AND CONTROL PERSONS;
              COMPLIANCE WITH SECTION 16(a) OF THE EXCHANGE ACT . . . . . . . . .  13
  ITEM 10.    EXECUTIVE COMPENSATION. . . . . . . . . . . . . . . . . . . . . . .  13
  ITEM 11.    SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT . .   14
  ITEM 12.    CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS . . . . . . . . . .   14
  ITEM 13.    EXHIBITS, LISTS AND REPORTS ON FORM 8-K. . . . . . . . . . . . . .   15
</TABLE>


                                     - i -
<PAGE>
                                     PART I


ITEM  1.     DESCRIPTION  OF  BUSINESS

                                   THE COMPANY

     The Company was incorporated as a Georgia business corporation on August 2,
1996,  and became a bank holding company by acquiring all of the Common Stock of
Decatur First Bank (the "Bank"). The Bank is the only subsidiary of the Company.

     The  Company's  principal  business  is the ownership and management of the
Bank.  The  Company  was organized to facilitate the Bank's ability to serve its
customers'  requirements  for financial services.  The holding company structure
provides flexibility for expansion of the Company's banking business through the
possible  acquisition  of  other  financial  institutions  and  the provision of
additional  capital  to  the  Bank.  For  example,  we  may  assist  the Bank in
maintaining  its required capital ratios by borrowing money and contributing the
proceeds  of  that  debt  to  the  Bank  as  primary  capital.

                                    THE BANK

GENERAL

     The  Bank  was  chartered  under the laws of the State of Georgia and began
business  in  the  third quarter of 1997 as a full-service commercial bank.  The
Bank  offers  personal and business checking accounts, interest-bearing checking
accounts,  savings  accounts  and various types of certificates of deposit.  The
Bank  also  offers  installment  loans,  real  estate loans, construction loans,
second  mortgage  loans,  commercial and Small Business Administration loans and
home  equity  lines  of credit.  In addition, the Bank provides such services as
official  bank  checks  and  money orders, Mastercard credit cards, safe deposit
boxes,  traveler's  checks,  bank-by-mail,  direct deposit of payroll and Social
Security  checks  and  U.S.  Savings  Bonds.

PHILOSOPHY

     The  philosophy  of  the  Bank's  management  is  to  emphasize  prompt and
responsive personal service to residents of, and businesses located in, Decatur,
Georgia,  as  well  as  other  communities located in DeKalb County, in order to
attract  customers  and  acquire  market  share  controlled  by  other financial
institutions  in  the  Bank's  market  area.  Management  believes that the Bank
offers  residents  of  Decatur  and surrounding counties the benefits associated
with  a locally owned and managed community bank.  Management has implemented an
active  call  program,  by which officers and directors promote these efforts by
personally  describing the products, services and philosophy of the Bank to both
existing  customers and new business prospects.  The Bank's directors are active
members  in  the  Decatur  community  and  their  continued  active  community
involvement  provides  them  with  an  opportunity  to  promote the Bank and its
products  and  services.


                                        1
<PAGE>
MARKET  AREA  AND  COMPETITION

     The Bank is located in Decatur, Georgia.  The Bank's primary market area is
defined as the five mile radius from the center of Decatur, Georgia.  Decatur is
the  county  seat  of  DeKalb  County  and  is located 12 miles east of downtown
Atlanta,  Georgia.  The  City  of  Decatur is approximately four square miles in
size  and  includes  over  12  distinct  neighborhoods.  The  Bank  competes for
deposits  and  loan  customers with other financial institutions whose resources
are  equal  to  or  greater  than  those  available to the Bank and the Company.
According  to information provided by the FDIC, as of June 30, 2000, Decatur was
serviced by 11 financial institutions with a total of 33 offices in Decatur.  As
of June 30, 2000, total deposits within Decatur for these institutions were $1.4
billion  of  which  $45.9  million  were  held  by  the  Bank.  These  financial
institutions  offer  all  of  the  services  that  the  Bank offers.  Management
believes  that the Bank's local ownership and management as well as its focus on
personalized  service helps it to compete with these institutions and to attract
deposits  and  loans  in  our  market  area.

LOAN  PORTFOLIO

     LENDING  POLICY.  The  Bank  was  established  to  support  Decatur  and
surrounding  areas  of  DeKalb County.  The Bank aggressively seeks creditworthy
loans  within  a limited geographic area.  The Bank's primary commercial lending
function  is to make consumer loans to individuals and commercial loans to small
and  medium-sized  businesses  and professional concerns.  In addition, the bank
makes  real-estate-related  loans,  including construction loans for residential
and  commercial  properties,  and  primary  and secondary mortgage loans for the
acquisition  or  improvement  of  personal  residences.  The  Bank  avoids
concentrations  of  loans  to  a  single  industry  or based on a single type of
collateral.

     The  Bank's  legal lending limits are 15% of its statutory capital base for
unsecured loans and 25% of its statutory capital base for loans fully secured by
good  collateral.  The  Bank's statutory capital base is the lower of the sum of
its  common  stock, paid-in capital, appropriated retained earnings, and capital
debt,  or  the  amount  of  the Bank's net assets.  As of December 31, 2000, the
Bank's  legal  lending  limits  were  approximately $1.176 million for unsecured
loans  and  approximately  $1.960  million  for  secured  loans.  While the Bank
generally  employs  more conservative lending limits, the Board of Directors has
discretion  to  lend  up  to  the  legal  lending  limits  as  described  above.

     CONSUMER  LOANS.  The  Bank  makes  consumer loans, consisting primarily of
installment  loans  to  individuals for personal, family and household purposes,
including  loans  for  automobiles,  home  improvements  and investments.  Risks
associated  with  consumer  loans  include,  but  are  not  limited  to,  fraud,
deteriorated  or non-existing collateral, general economic downturn and customer
financial  problems.

     COMMERCIAL  LOANS.  The  Bank's  commercial lending is directed principally
toward  small  to  mid-size  businesses  whose demand for funds falls within the
legal lending limits of the Bank.  This category of loans includes loans made to
individual,  partnership  or  corporate borrowers, and obtained for a variety of
business  purposes  including  equipment loans, loans to support working capital
and  loans  for  inventory  purchases.  Risks associated with these loans can be
significant  and  include,  but  are not limited to, fraud, bankruptcy, economic
downturn, deteriorated or non-existing collateral and changes in interest rates.

     REAL  ESTATE LOANS.  The Bank makes and holds real estate loans, consisting
primarily  of  single-family residential construction loans for one-to-four unit
family  structures.  The  Bank  requires  a  first  lien  position  on  the land
associated  with the construction project and offers these loans to professional
building  contractors  and  homeowners.  Loan  disbursements  require  on-site
inspections  to  assure  the project is on budget and that the loan proceeds are
being  used  for  the  construction  project  and  not being diverted to another
project.  The  loan-to-value  ratio  for such loans are predominantly 80% of the
lower  of  the as-built appraised value or project cost, and a maximum of 90% if
the loan is amortized.  Loans for construction can present a high degree of risk
to  the lender, depending upon, among other things, whether the builder can sell
the  home  to a buyer, whether the buyer can obtain permanent financing, whether
the  transaction  produces  income  in  the  interim  and the nature of changing
economic  conditions.


                                        2
<PAGE>
     INVESTMENTS.  In  addition  to  loans,  the  Bank  makes  other investments
primarily  in  obligations  of the United States or obligations guaranteed as to
principal  and  interest  by the United States and other taxable securities.  No
investment in any of those instruments exceeds any applicable limitation imposed
by  law  or  regulation.

     DEPOSITS.  The  Bank offers a wide range of commercial and consumer deposit
accounts,  including  checking  accounts,  money  market  accounts, a variety of
certificates  of  deposit,  and  IRA  accounts.  The  Bank employs an aggressive
marketing  plan  in  the  overall  service  area,  a  broad  product  line,  and
competitive  services  as  its  primary  means to attract deposits.  The primary
sources of deposits are residents of, and businesses and their employees located
in, the Bank's market area.  Deposits are obtained through personal solicitation
by  the  Bank's  officers  and  directors,  direct  mail  solicitations  and
advertisements published in the local media.  Deposits are generated by offering
a  broad  array  of  competitively  priced  deposit  services,  including demand
deposits,  regular  savings  accounts,  money  market  deposits (transaction and
investment),  certificates of deposit, retirement accounts, and other deposit or
funds  transfer  services  which may be permitted by law or regulation and which
may  be  offered  to  remain  competitive  in  the  market.

     ASSET  AND  LIABILITY  MANAGEMENT.  The  Bank  manages  its  assets  and
liabilities  to  provide an optimum and stable net interest margin, a profitable
after-tax  return on assets and return on equity, and adequate liquidity.  These
management  functions  are  conducted  within  the framework of written loan and
investment  policies  adopted  by  the  Bank.  The  Bank  attempts to maintain a
balanced  position between rate sensitive assets and rate sensitive liabilities.
Specifically,  it  charts  assets  and  liabilities  on  a  matrix  by maturity,
effective  duration, and interest adjustment period, and endeavors to manage any
gaps  in  maturity  ranges.

                                    EMPLOYEES

     At  December  31,  2000,  the Company employed 23 full-time employees and 2
part-time  employees.  The Company considers its relationship with its employees
to  be  excellent.

                           SUPERVISION AND REGULATION

     Both  the  Company  and the Bank are subject to extensive state and federal
banking  regulations  that  impose  restrictions  on  and  provide  for  general
regulatory  oversight of their operations.  These laws are generally intended to
protect depositors and not shareholders.  The following discussion describes the
material  elements  of  the  regulatory  framework  that  applies  to  us.

THE  COMPANY

     Since  the  Company owns all of the capital stock of the Bank, it is a bank
holding  company  under  the  federal  Bank  Holding  Company Act of 1956.  As a
result,  the  Company  is primarily subject to the supervision, examination, and
reporting  requirements  of  the Bank Holding Company Act and the regulations of
the  Federal  Reserve.

     ACQUISITIONS  OF  BANKS.  The  Bank Holding Company Act requires every bank
holding  company  to  obtain  the  Federal  Reserve's  prior  approval  before:

     -    Acquiring direct or indirect ownership or control of any voting shares
          of  any  bank if, after the acquisition, the bank holding company will
          directly  or  indirectly  own  or  control  more than 5% of the bank's
          voting  shares;


                                        3
<PAGE>
     -    Acquiring  all  or  substantially  all  of  the assets of any bank; or

     -    Merging  or  consolidating  with  any  other  bank  holding  company.

     Additionally,  the  Bank  Holding  Company  Act  provides  that the Federal
Reserve  may not approve any of these transactions if it would result in or tend
to  create a monopoly or, substantially lessen competition or otherwise function
as  a  restraint  of  trade,  unless the anticompetitive effects of the proposed
transaction  are  clearly  outweighed  by  the  public  interest  in meeting the
convenience  and  needs  of  the community to be served.  The Federal Reserve is
also  required  to  consider  the  financial and managerial resources and future
prospects  of the bank holding companies and banks concerned and the convenience
and needs of the community to be served.  The Federal Reserve's consideration of
financial  resources  generally  focuses on capital adequacy, which is discussed
below.

     Under  the  Bank  Holding  Company  Act,  if  adequately  capitalized  and
adequately  managed,  the  Company  or any other bank holding company located in
Georgia  may  purchase  a  bank  located  outside  of  Georgia.  Conversely,  an
adequately  capitalized  and  adequately  managed  bank  holding company located
outside  of  Georgia  may purchase a bank located inside Georgia.  In each case,
however,  restrictions  may be placed on the acquisition of a bank that has only
been  in  existence  for  a  limited  amount of time or will result in specified
concentrations  of  deposits.

     For  example,  Georgia  law prohibits a bank holding company from acquiring
control  of  a  financial institution until the target financial institution has
been  incorporated  for  five  years.  As  a result, no bank holding company may
acquire  control  of  the  Company until after the fifth anniversary date of the
Bank's  incorporation.

     CHANGE  IN  BANK  CONTROL.  Subject to various exceptions, the Bank Holding
Company  Act  and  the  Change  in  Bank  Control  Act,  together  with  related
regulations,  require  Federal  Reserve  approval prior to any person or company
acquiring "control" of a bank holding company.  Control is conclusively presumed
to exist if an individual or company acquires 25% or more of any class of voting
securities of the bank holding company.  Control is rebuttably presumed to exist
if  a person or company acquires 10% or more, but less than 25%, of any class of
voting  securities  and  either:

     -    The bank holding company has registered securities under Section 12 of
          the  Securities  Act  of  1934;  or

     -    No  other  person  owns  a  greater percentage of that class of voting
          securities  immediately  after  the  transaction.

Our  common stock  is registered under the Securities Exchange Act of 1934.  The
regulations  provide  a  procedure  for  challenge  of  the  rebuttable  control
presumption.

     PERMITTED  ACTIVITIES.  Since  we have not qualified or elected to become a
financial  holding  company,  we are generally prohibited under the Bank Holding
Company  Act,  from  engaging in or acquiring direct or indirect control of more
than  5% of the voting shares of any company engaged in any activity other than:

     -    Banking  or  managing  or  controlling  banks;  and

     -    An  activity  that  the  Federal  Reserve  determines to be so closely
          related  to  banking  as  to  be  a proper incident to the business of
          banking.


                                        4
<PAGE>
     Activities  that  the Federal Reserve has found to be so closely related to
banking  as  to  be  a  proper  incident  to  the  business  of banking include:

     -    Factoring  accounts  receivable;

     -    Making,  acquiring,  brokering  or  servicing  loans and usual related
          activities;

     -    Leasing  personal  or  real  property;

     -    Operating  a  non-bank  depository  institution,  such  as  a  savings
          association;

     -    Trust  company  functions;

     -    Financial  and  investment  advisory  activities;

     -    Conducting  discount  securities  brokerage  activities;

     -    Underwriting  and  dealing  in government obligations and money market
          instruments;

     -    Providing  specified  management consulting and counseling activities;

     -    Performing  selected  data  processing  services and support services;

     -    Acting  as  agent or broker in selling credit life insurance and other
          types  of  insurance  in  connection  with  credit  transactions;  and

     -    Performing  selected  insurance  underwriting  activities.

     Despite  prior  approval,  the  Federal  Reserve  may  order a bank holding
company or its subsidiaries to terminate any of these activities or to terminate
its  ownership  or  control  of  any  subsidiary when it has reasonable cause to
believe that the bank holding company's continued ownership, activity or control
constitutes  a  serious risk to the financial safety, soundness, or stability of
it  or  any  of  its  bank  subsidiaries.

     Generally,  if  the  Company  qualifies  and  elects  to become a financial
holding  company,  it  may  engage in activities that are financial in nature or
incidental or complementary to financial activity.  The Bank Holding Company Act
expressly  lists  the  following  activities  as  financial  in  nature:

     -    Lending,  trust  and  other  banking  activities;

     -    Insuring,  guaranteeing,  or  indemnifying  against  loss  or harm, or
          providing  and  issuing  annuities, and acting as principal, agent, or
          broker  for  these  purposes,  in  any  state;

     -    Providing  financial,  investment,  or  advisory  services;

     -    Issuing  or  selling  instruments  representing  interests in pools of
          assets  permissible  for  a  bank  to  hold  directly;

     -    Underwriting,  dealing  in  or  making  a  market  in  securities;

     -    Other  activities  that  the  Federal  Reserve  may determine to be so
          closely related to banking or managing or controlling banks as to be a
          proper  incident  to  managing  or  controlling  banks;


                                        5
<PAGE>
     -    Foreign  activities  permitted  outside  of  the  United States if the
          Federal  Reserve  has  determined  them to be usual in connection with
          banking  operations  abroad;

     -    Merchant  banking  through  securities  or  insurance  affiliates; and

     -    Insurance  company  portfolio  investments.

     To  qualify  to  become a financial holding company, the Bank and any other
depository  institution  subsidiary  of the Company must be well capitalized and
well  managed  and  must  have  a  Community Reinvestment Act rating of at least
satisfactory.  Additionally,  the Company must file an election with the Federal
Reserve  to  become  a  financial  holding  company and must provide the Federal
Reserve  with  30 days written notice prior to engaging in a permitted financial
activity.  Although  we  are  eligible  to  elect  to become a financial holding
company,  we  currently  have  no  plans  to  make  such  an  election.

     SUPPORT  OF  SUBSIDIARY  INSTITUTIONS.  Under  Federal  Reserve policy, the
Company is expected to act as a source of financial strength for the Bank and to
commit  resources  to  support  the Bank.  This support may be required at times
when,  without this Federal Reserve policy, the Company might not be inclined to
provide it.  In addition, any capital loans made by the Company to the Bank will
be  repaid  only  after its deposits and various other obligations are repaid in
full.  In  the  unlikely event of the Company's bankruptcy, any commitment by it
to  a federal bank regulatory agency to maintain the capital of the Bank will be
assumed  by  the  bankruptcy  trustee  and  entitled  to  a priority of payment.

THE  BANK

     Since  the  Bank is a commercial bank chartered under the laws of the State
of  Georgia,  it  is  primarily  subject  to  the  supervision,  examination and
reporting  requirements  of  the  FDIC and the Georgia Department of Banking and
Finance.  The  FDIC  and  Georgia  Department  of  Banking and Finance regularly
examine  the  Bank's  operations and have the authority to approve or disapprove
mergers,  the  establishment  of  branches  and similar corporate actions.  Both
regulatory  agencies have the power to prevent the continuance or development of
unsafe  or  unsound banking practices or other violations of law.  Additionally,
the  Bank's  deposits  are insured by the FDIC to the maximum extent provided by
law.  The  Bank  is  also  subject  to  numerous  state and federal statutes and
regulations  that  affect  its  business,  activities  and  operations.

     BRANCHING.  Under  current  Georgia  law,  the Bank may open branch offices
throughout  Georgia with the prior approval of the Georgia Department of Banking
and  Finance.  In addition, with prior regulatory approval, the Bank may acquire
branches  of existing banks located in Georgia.  The Bank and any other national
or  state-chartered bank generally may branch across state lines by merging with
banks  in  other states if allowed by the applicable states' laws.  Georgia law,
with  limited exceptions, currently permits branching across state lines through
interstate  mergers.

     Under  the  Federal  Deposit  Insurance  Act, states may "opt-in" and allow
out-of-state  banks  to  branch  into their state by establishing a new start-up
branch  in  the  state.  Currently,  Georgia has not opted-in to this provision.
Therefore,  interstate  merger  is  the only method through which a bank located
outside  of Georgia may branch into Georgia.  This provides a limited barrier of
entry  into  the  Georgia  banking  market,  which protects us from an important
segment  of  potential competition.  However, because Georgia has elected not to
opt-in,  our  ability to establish a new start-up branch in another state may be
limited.  Many  states  that have elected to opt-in have done so on a reciprocal
basis,  meaning  that  an  out-of-state bank may establish a new start-up branch
only  if  their  home  state  has  also  elected to opt-in.  Consequently, until
Georgia changes its election, the only way we will be able to branch into states
that  have  elected  to  opt-in on a reciprocal basis will be through interstate
merger.


                                        6
<PAGE>
     PROMPT  CORRECTIVE  ACTION.  The  Federal  Deposit  Insurance  Corporation
Improvement  Act  of  1991  establishes  a system of prompt corrective action to
resolve  the  problems  of  undercapitalized financial institutions.  Under this
system, the federal banking regulators have established five capital categories,
well  capitalized,  adequately  capitalized,  undercapitalized,  significantly
undercapitalized  and critically undercapitalized, in which all institutions are
placed.  The  federal banking agencies have specified by regulation the relevant
capital  levels  for each of the categories.  At December 31, 2000, we qualified
for  the  well-capitalized  category.

     Federal  banking regulators are required to take some mandatory supervisory
actions  and  are authorized to take other discretionary actions with respect to
institutions  in  the  three  undercapitalized  categories.  The severity of the
action  depends  upon  the  capital category in which the institution is placed.
Generally,  subject  to a narrow exception, the banking regulator must appoint a
receiver  or conservator for an institution that is critically undercapitalized.

     An  institution  in  any  of the undercapitalized categories is required to
submit an acceptable capital restoration plan to its appropriate federal banking
agency.  A  bank  holding  company  must  guarantee that a subsidiary depository
institution  meets its capital restoration plan, subject to various limitations.
The  controlling holding company's obligation to fund a capital restoration plan
is limited to the lesser of 5% of an undercapitalized subsidiary's assets at the
time  it  became  undercapitalized  or  the  amount  required to meet regulatory
capital  requirements.  An  undercapitalized  institution  is  also  generally
prohibited  from  increasing  its  average  total  assets,  making acquisitions,
establishing  any branches or engaging in any new line of business, except under
an  accepted  capital  restoration  plan or with FDIC approval.  The regulations
also  establish  procedures  for  downgrading  an institution to a lower capital
category  based  on  supervisory  factors  other  than  capital.

     FDIC  INSURANCE  ASSESSMENTS.  The FDIC has adopted a risk-based assessment
system  for  insured  depository  institutions that takes into account the risks
attributable  to  different  categories  and  concentrations  of  assets  and
liabilities.  The  system  assigns  an  institution  to  one  of  three  capital
categories:  (1)  well  capitalized;  (2)  adequately  capitalized;  and  (3)
undercapitalized.  These  three  categories  are  substantially  similar  to the
prompt corrective action categories described above, with the "undercapitalized"
category  including  institutions  that  are  undercapitalized,  significantly
undercapitalized,  and  critically undercapitalized for prompt corrective action
purposes.  The  FDIC  also  assigns  an  institution to one of three supervisory
subgroups  based  on  a  supervisory  evaluation  that the institution's primary
federal  regulator provides to the FDIC and information that the FDIC determines
to  be  relevant  to the institution's financial condition and the risk posed to
the  deposit  insurance funds.  Assessments range from 0 to 27 cents per $100 of
deposits, depending on the institution's capital group and supervisory subgroup.
In  addition,  the  FDIC imposes assessments to help pay off the $780 million in
annual interest payments on the $8 billion Financing Corporation bonds issued in
the  late  1980s  as part of the government rescue of the thrift industry.  This
assessment  rate  is  adjusted  quarterly  and  is set at 1.96 cents per $100 of
deposits  for  the  first  quarter  of  2001.

     The  FDIC  may  terminate  its  insurance  of deposits if it finds that the
institution  has  engaged  in  unsafe  and unsound practices, is in an unsafe or
unsound  condition  to  continue operations, or has violated any applicable law,
regulation,  rule,  order  or  condition  imposed  by  the  FDIC.

     COMMUNITY  REINVESTMENT ACT.  The Community Reinvestment Act requires that,
in  connection  with  examinations  of  financial  institutions  within  their
respective  jurisdictions,  the  Federal  Reserve or the FDIC shall evaluate the
record  of  each  financial institution in meeting the credit needs of its local
community,  including  low  and  moderate-income neighborhoods.  These facts are
also  considered in evaluating mergers, acquisitions, and applications to open a
branch  or  facility.  Failure  to  adequately  meet these criteria could impose
additional requirements and limitations on the Bank.  Since our aggregate assets
are not more than $250 million, under the Gramm-Leach-Bliley Act, we are subject
to  a  Community  Reinvestment  Act  examination only once every 60 months if we
receive an outstanding rating, once every 48 months if we receive a satisfactory
rating  and as needed if our rating is less than satisfactory.  Additionally, we
must  publicly  disclose the terms of various Community Reinvestment Act-related
agreements.


                                        7
<PAGE>
     OTHER  REGULATIONS.  Interest and other charges collected or contracted for
by the Bank are subject to state usury laws and federal laws concerning interest
rates.  The  Bank's  loan operations are also subject to federal laws applicable
to  credit  transactions,  such  as:

     -    The  federal  Truth-In-Lending  Act,  governing  disclosures of credit
          terms  to  consumer  borrowers;

     -    The  Home  Mortgage  Disclosure  Act  of  1975,  requiring  financial
          institutions  to  provide  information to enable the public and public
          officials  to  determine whether a financial institution is fulfilling
          its  obligation  to  help  meet  the housing needs of the community it
          serves;

     -    The  Equal  Credit  Opportunity Act, prohibiting discrimination on the
          basis  of race, creed or other prohibited factors in extending credit;

     -    The Fair Credit Reporting Act of 1978, governing the use and provision
          of  information  to  credit  reporting  agencies;

     -    The  Fair  Debt Collection Act, governing the manner in which consumer
          debts  may  be  collected  by  collection  agencies;  and

     -    The rules and regulations of the various federal agencies charged with
          the  responsibility  of  implementing  these  federal  laws.

The  deposit  operations  of  the  Bank  are  subject  to:

     -    The  Right  to Financial Privacy Act, which imposes a duty to maintain
          confidentiality  of  consumer  financial  records  and  prescribes
          procedures  for  complying  with administrative subpoenas of financial
          records;  and

     -    The  Electronic  Funds  Transfer  Act  and  Regulation E issued by the
          Federal Reserve to implement that act, which govern automatic deposits
          to  and  withdrawals  from  deposit accounts and customers' rights and
          liabilities  arising  from  the  use  of automated teller machines and
          other  electronic  banking  services.

CAPITAL  ADEQUACY

     The  Company  and the Bank are required to comply with the capital adequacy
standards  established  by  the Federal Reserve, in the case of the Company, and
the FDIC and Georgia Department of Banking and Finance, in the case of the Bank.
The  Federal  Reserve  has  established  a  risk-based and a leverage measure of
capital  adequacy  for bank holding companies.  Since the Company's consolidated
total  assets  are  less  than $150 million, under the Federal Reserve's capital
guidelines, our capital adequacy is measured on a bank-only basis, as opposed to
a  consolidated  basis.  The  Bank  is  also  subject to risk-based and leverage
capital  requirements  adopted  by  the FDIC, which are substantially similar to
those  adopted  by  the  Federal  Reserve  for  bank  holding  companies.


                                        8
<PAGE>
     The  risk-based  capital  standards are designed to make regulatory capital
requirements more sensitive to differences in risk profiles among banks and bank
holding  companies,  to  account for off-balance-sheet exposure, and to minimize
disincentives  for  holding  liquid assets.  Assets and off-balance-sheet items,
such  as  letters of credit and unfunded loan commitments, are assigned to broad
risk  categories,  each  with  appropriate  risk weights.  The resulting capital
ratios  represent  capital  as  a  percentage  of total risk-weighted assets and
off-balance-sheet  items.

     The  minimum  guideline  for  the  ratio  of total capital to risk-weighted
assets is 8%.  Total capital consists of two components, Tier 1 Capital and Tier
2  Capital.  Tier  1  Capital generally consists of common shareholders' equity,
minority  interests  in  the  equity  accounts  of  consolidated  subsidiaries,
qualifying  noncumulative  perpetual  preferred  stock,  and a limited amount of
qualifying  cumulative  perpetual  preferred  stock,  less  goodwill  and  other
specified  intangible  assets.  Tier  1  Capital  must  equal  at  least  4%  of
risk-weighted  assets.  Tier  2 Capital generally consists of subordinated debt,
other  preferred  stock  and  hybrid  capital  and a limited amount of loan loss
reserves.  The  total  amount  of  Tier  2  Capital is limited to 100% of Tier 1
Capital.  At  December  31,  2000  our  ratio  of total capital to risk-weighted
assets  was  19.2%  and  our ratio of Tier 1 Capital to risk-weighted assets was
18.1%.

     In  addition,  the  Federal  Reserve has established minimum leverage ratio
guidelines  for  bank holding companies.  These guidelines provide for a minimum
ratio  of  Tier  1  Capital to average assets, less goodwill and other specified
intangible  assets,  of  3%  for  bank  holding  companies  that  meet specified
criteria,  including  having  the highest regulatory rating and implementing the
Federal  Reserve's  risk-based  capital measure for market risk.  All other bank
holding  companies  generally  are  required  to maintain a leverage ratio of at
least  4%.  At  December 31, 2000, our leverage ratio was 13.6%.  The guidelines
also  provide that bank holding companies experiencing internal growth or making
acquisitions will be expected to maintain strong capital positions substantially
above the minimum supervisory levels without reliance on intangible assets.  The
Federal  Reserve  considers  the  leverage ratio and other indicators of capital
strength  in  evaluating  proposals  for  expansion  or  new  activities.

     The  Bank  and  the  Company  are  also  both  subject  to leverage capital
guidelines  issued  by  the  Georgia  Department  of  Banking and Finance, which
provide  for  minimum  ratios  of  Tier  1  capital  to  total  assets.

     Failure  to  meet  capital  guidelines could subject a bank or bank holding
company  to  a  variety of enforcement remedies, including issuance of a capital
directive,  the  termination  of deposit insurance by the FDIC, a prohibition on
accepting brokered deposits, and certain other restrictions on its business.  As
described  above,  significant  additional  restrictions  can  be  imposed  on
FDIC-insured  depository  institutions  that  fail  to  meet  applicable capital
requirements.  See  "-Prompt  Corrective  Action."

PAYMENT  OF  DIVIDENDS

     The  Company  is  a  legal entity separate and distinct from the Bank.  The
principal  source  of  the  Company's  cash  flow,  including  cash  flow to pay
dividends to its shareholders, is dividends that the Bank pays to it.  Statutory
and  regulatory  limitations  apply  to  the  Bank's payment of dividends to the
Company  as  well  as to the Company's payment of dividends to its shareholders.

     If,  in the opinion of the federal banking regulator, the Bank were engaged
in  or  about  to  engage  in an unsafe or unsound practice, the federal banking
regulator  could  require,  after notice and a hearing, that it cease and desist
from  its  practice.  The  federal  banking  agencies have indicated that paying
dividends  that deplete a depository institution's capital base to an inadequate
level  would  be  an  unsafe  and  unsound  banking practice.  Under the Federal
Deposit  Insurance Corporation Improvement Act of 1991, a depository institution
may not pay any dividend if payment would cause it to become undercapitalized or
if  it  already is undercapitalized.  Moreover, the federal agencies have issued
policy  statements  that  provide  that bank holding companies and insured banks
should  generally  only  pay  dividends  out of current operating earnings.  See
"-Prompt  Corrective  Action"  above.


                                        9
<PAGE>
     The  Georgia  Department  of  Banking and Finance also regulates the Bank's
dividend  payments  and  must approve dividend payments that would exceed 50% of
the  Bank's net income for the prior year.  Our payment of dividends may also be
affected  or  limited  by  other  factors,  such  as the requirement to maintain
adequate  capital  above  regulatory  guidelines.

     At December 31, 2000, the Bank was not able to pay dividends to the Company
without  prior  regulatory  approval.

RESTRICTIONS  ON  TRANSACTIONS  WITH  AFFILIATES

     The  Company  and  the Bank are subject to the provisions of Section 23A of
the  Federal  Reserve  Act.  Section  23A  places  limits  on  the  amount  of:

     -    Loans  or  extensions  of  credit  to  affiliates;

     -    Investment  in  affiliates;

     -    The  purchase  of assets from affiliates, except for real and personal
          property  exempted  by  the  Federal  Reserve;

     -    Loans  or  extensions of credit to third parties collateralized by the
          securities  or  obligations  of  affiliates;  and

     -    Any  guarantee,  acceptance or letter of credit issued on behalf of an
          affiliate.

     The  total amount of the above transactions is limited in amount, as to any
one  affiliate, to 10% of a bank's capital and surplus and, as to all affiliates
combined, to 20% of a bank's capital and surplus.  In addition to the limitation
on  the  amount  of these transactions, each of the above transactions must also
meet specified collateral requirements.  The Company must also comply with other
provisions  designed  to  avoid  the  taking  of  low-quality  assets.

     The  Company and the Bank are also subject to the provisions of Section 23B
of  the  Federal  Reserve Act which, among other things, prohibit an institution
from  engaging in the above transactions with affiliates unless the transactions
are on terms substantially the same, or at least as favorable to the institution
or its subsidiaries, as those prevailing at the time for comparable transactions
with  nonaffiliated  companies.

     The  Bank  is  also  subject to restrictions on extensions of credit to its
executive  officers,  directors,  principal  shareholders  and  their  related
interests.  These  extensions  of  credit  (1) must be made on substantially the
same  terms, including interest rates and collateral, as those prevailing at the
time  for  comparable  transactions with third parties, and (2) must not involve
more  than  the  normal risk of repayment or present other unfavorable features.

PRIVACY

     Financial  institutions  are  required  to  disclose  their  policies  for
collecting  and  protecting  confidential  information.  Customers generally may
prevent  financial  institutions  from  sharing  nonpublic  personal  financial
information  with nonaffiliated third parties except under narrow circumstances,
such as the processing of transactions requested by the consumer.  Additionally,
financial  institutions  generally  may not disclose consumer account numbers to
any nonaffiliated third party for use in telemarketing, direct mail marketing or
other  marketing  to  consumers.


                                       10
<PAGE>
PROPOSED  LEGISLATION  AND  REGULATORY  ACTION

     New  regulations  and  statutes  are  regularly  proposed  that  contain
wide-ranging  proposals for altering the structures, regulations and competitive
relationships of the nation's financial institutions.  We cannot predict whether
or in what form any proposed regulation or statute will be adopted or the extent
to  which  our  business  may  be  affected  by  any  new regulation or statute.

EFFECT  OF  GOVERNMENTAL  MONETARY  POLICES

     Our  earnings are affected by domestic economic conditions and the monetary
and  fiscal  policies  of  the  United  States government and its agencies.  The
Federal Reserve Bank's monetary policies have had, and are likely to continue to
have,  an  important impact on the operating results of commercial banks through
its power to implement national monetary policy in order, among other things, to
curb  inflation  or  combat  a  recession.  The monetary policies of the Federal
Reserve  affect  the  levels of bank loans, investments and deposits through its
control over the issuance of United States government securities, its regulation
of  the  discount rate applicable to member banks and its influence over reserve
requirements to which member banks are subject.  We cannot predict the nature or
impact  of  future  changes  in  monetary  and  fiscal  policies.

                        SELECTED STATISTICAL INFORMATION

     The  responses  to  this  section  of  Item I are included in the Company's
Annual  Report  to  Shareholders  under  the  heading  "Selected  Statistical
Information"  at  pages 26 through 30, and are incorporated herein by reference.


ITEM  2.     DESCRIPTION  OF  PROPERTIES

     The  Company  and  the  Bank  are  located  at 1120 Commerce Drive, Decatur
Georgia.  The Company has leased this landmark site in the financial district of
downtown  Decatur.

     The Company entered into an Agreement to Lease, dated August 20, 1996, with
Daniel  B.  Pattillo, pursuant to which the Company leases the building from Mr.
Pattillo.  The  term  of the lease expires June 1, 2002.  The Agreement to Lease
provides  that  the Company has an option to purchase the building under certain
conditions.

     The  building  currently contains 9,200 square feet of usable space.  Prior
to  opening the Bank, the Company renovated the building, and during fiscal year
1999  the  Company  completed  additional  renovations to the building.  The top
floor  contains  6,613  square feet and was converted into the banking lobby and
executive  offices.  The  lower level, which contains 2,587 square feet, is used
for  operation offices.  Most of the operations and back-room work is outsourced
so  less  space  is  needed.  Video  drive-ups  are  used  instead  of  physical
drive-ups.  The  lower parking lot has sufficient room for two drive-up lanes in
addition  to  employee  parking.  The property fronts Commerce Drive, which is a
main  thoroughfare  in  Decatur,  and  backs up to a retail area and residential
property.  Access  to  the  drive-ups  is available through a side street off of
Commerce  Drive.  The  main  parking  lot  is  accessible  from  Commerce Drive.

     Other  than  normal real estate lending activities of the Bank, the Company
does not invest in real estate, interests in real estate, real estate mortgages,
or  securities  of  or  interests  in  persons  primarily engaged in real estate
activities.


                                       11
<PAGE>
ITEM  3.     LEGAL  PROCEEDINGS

     There  are  no material pending legal proceedings to which the Company is a
party  or  of  which  any  of its properties are subject; nor are there material
proceedings  known  to  the  Company  to  be  contemplated  by  any governmental
authority;  nor  are there material proceedings known to the Company, pending or
contemplated,  in  which  any  director,  officer  or affiliate or any principal
security  holder  of  the Company or any associate of any of the foregoing, is a
party  or  has  an  interest  adverse  to  the  Company.


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

     None.


                                     PART II

ITEM  5.     MARKET  FOR  REGISTRANT'S  COMMON  EQUITY  AND  RELATED STOCKHOLDER
             MATTERS

     The  response  to  this  Item is partially included in the Company's Annual
Report  to  Shareholders  at  page  1  and  is incorporated herein by reference.

     During fiscal year 2000 the Company granted 140 shares of its Common Stock,
$5.00 par value, to selected employees as compensation for their services to the
Bank.  Since  the Company only granted the shares to employees, the transactions
did  not  involve a public offering, and therefore were exempt from registration
under  Section  4(2)  of  the  Securities Act of 1933.  The following table sets
forth  the  number  of  shares issued to employees during the periods indicated.

                                          NUMBER
                               DATE     OF SHARES
                               ----     ---------

                              1/18/00      40
                              4/19/00     100

     Additionally,  on March 15, 2000, the Company granted an employee an option
to  purchase  an  aggregate  of 500 shares of its Common Stock, $5.00 par value.
The  option  is  exercisable  at  $12.00  per  share,  vests in equal 33% annual
increments  beginning  on  March  27,  2001 and has a maximum term of ten years.
Since  the  option was granted to an employee, the transaction did not involve a
public  offering,  and therefore was exempt from registration under Section 4(2)
of  the  Securities  Act  of  1933.

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

     The  response  to  this  Item is included in the Company's Annual Report to
Shareholders  under  the  heading,  "Management's  Discussion  and  Analysis  of
Financial  Condition  and  Results  of Operations," at pages 4 through 7, and is
incorporated  herein  by  reference.


                                       12
<PAGE>
ITEM  7.     FINANCIAL  STATEMENTS

     The  following  financial  statements  are included in the Company's Annual
Report  to  Shareholders  at  pages 8 through 25, and are incorporated herein by
reference.

     Report  of  Independent  Certified  Public  Accountants

     Consolidated  Balance  Sheets  as  of  December  31,  2000  and  1999

     Consolidated  Statements  of  Operations  for  the years ended December 31,
     2000,  1999  and  1998

     Consolidated  Statements  of  Comprehensive  Income  for  the  years  ended
     December  31,  2000,  1999  and  1998

     Consolidated  Statements  of  Changes in Stockholders' Equity for the years
     ended  December  31,  2000,  1999,  and  1998

     Consolidated  Statements  of  Cash  Flows  for the years ended December 31,
     2000,  1999  and  1998

     Notes  to  Consolidated  Financial  Statements


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

             Not  Applicable.


                                    PART III

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

     The  responses  to  this Item are included in the Company's Proxy Statement
for  the  Annual  Meeting  of  Shareholders to be held April 24, 2001, under the
following  headings,  and  are  incorporated  herein  by  reference.

     "Proposal One: Election of Directors - Class III Director Nominees, - Class
     I  Continuing  Directors,  and - Class II Continuing Directors," at pages 3
     through  4.

     "Executive  Officers,"  at  page  5.

     "Section  16(a)  Beneficial  Ownership  Reporting  Compliance," at page 10.

ITEM  10.     EXECUTIVE  COMPENSATION

     The  responses  to  this Item are included in the Company's Proxy Statement
for  the  Annual  Meeting  of  Shareholders to be held April 24, 2001, under the
heading,  "Compensation,"  at  pages 6 through 7, and are incorporated herein by
reference.


                                       13
<PAGE>
ITEM  11.     SECURITY  OWNERSHIP  OF  CERTAIN  BENEFICIAL OWNERS AND MANAGEMENT

     The  responses  to  this Item are included in the Company's Proxy Statement
for  the  Annual  Meeting  of  Shareholders to be held April 24, 2001, under the
headings,  "Security Ownership of Certain Beneficial Owners," at pages 8 through
9,  and  are  incorporated  herein  by  reference.


ITEM  12.     CERTAIN  RELATIONSHIPS  AND  RELATED  TRANSACTIONS

     The  responses  to  this Item are included in the Company's Proxy Statement
for  the  Annual  Meeting  of  Shareholders to be held April 24, 2001, under the
headings,  "Related  Party  Transactions,"  at  page  10,  and  "Executive
Compensation,"  at  pages 6 through 7, and are incorporated herein by reference.


                                       14
<PAGE>
ITEM  13.     EXHIBITS,  LISTS  AND  REPORTS  ON  FORM  8-K

(a)     Exhibits

     Exhibit
     Number          Exhibit
     ------          -------

     3.1       Articles  of  Incorporation.  1/

     3.2       Bylaws  1/

     4.1       Instruments Defining the Rights of Security Holders. See Articles
               of  Incorporation at Exhibit 3.1 hereto and Bylaws at Exhibit 3.2
               hereto.

     10.1      Agreement  to  Lease,  dated  August  20,  1996 between Daniel B.
               Pattillo  and  Decatur  First  Bank  Group,  Inc.  1/

     10.3*     Employment  Agreement,  dated  as  of  June 1, 1996 among Decatur
               First  Bank  (In Organization), Decatur First Bank Group, Inc and
               Judy  B.  Turner.  2/

     10.4*     1998  Stock  Incentive  Plan  3/

     10.5      Agreement  to  Modify and Enlarge the Main Office Facility, dated
               January  22,  1999  between  Decatur  First  Bank  and  Malone
               Construction  Company  (Exhibits  omitted.)  4/

     13.1      Decatur  First  Bank  Group,  Inc.  2000  Annual  Report  to
               Shareholders.  Except with respect to those portions specifically
               incorporated  by  reference  into this Report, the Company's 2000
               Annual  Report  to Shareholders is not deemed to be filed as part
               of  this  Report.

     22.1      Subsidiaries  of  Decatur  First  Bank  Group,  Inc.  3/


     23.1      Consent  of  Porter  Keadle  Moore,  LLP

     24.1      Power  of Attorney (appears on the signature pages to this Annual
               Report  on  10-KSB).

(b)     Reports  on  Form  8-K  filed  in  the  fourth  quarter  of  2000: None.

------------------------------------
*     Compensatory  plan  or  arrangement.

1/   Incorporated herein by reference to exhibit of same number to the Company's
     Registration  Statement  on  Form  SB-2,  Registration No. 333-14355, filed
     October  18,  1996.

2/   Incorporated  herein  by  reference  to  exhibit  10.4  to  the  Company's
     Registration  Statement  on  Form  SB-2,  Registration No. 333-14355, filed
     October  18,  1996.

3/   Incorporated herein by reference to exhibit of same number in the Company's
     Annual  Report  on  Form  10-KSB  for  the  year  ended  December 31, 1997.

4/   Incorporated herein by reference to exhibit of same number in the Company's
     Annual  Report  on  Form  10-KSB  for  the  year  ended  December 31, 1998.


                                       15
<PAGE>
                                   SIGNATURES

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



                                   DECATUR  FIRST  BANK  GROUP,  INC.




                                   By:  /s/  Judy  B.  Turner
                                        --------------------------------
                                        Judy  B.  Turner
                                        President  and  Chief
                                        Executive  Officer


                                   Date:  March 20, 2001



                                POWER OF ATTORNEY

     KNOW ALL MEN BY THESE PRESENTS, that each person whose signature appears on
the  signature  page  to this Report constitutes and appoints Judy B. Turner and
Merriell  Autrey,  Jr.,  his  or her true and lawful attorney-in-fact and agent,
with full power of substitution and resubstitution, for him or her and in his or
her  name,  place,  and  stead,  in  any and all capacities, to sign any and all
amendments  to  this Report, and to file the same, with all exhibits hereto, and
other  documents  in  connection  herewith  with  the  Securities  and  Exchange
Commission,  granting  unto  said  attorney-in-fact  and  agent,  full power and
authority to do and perform each and every act and thing requisite and necessary
to  be  done  in and about the premises, as fully to all intents and purposes as
they  might or could do in person, hereby ratifying and confirming all that said
attorney-in-fact  and  agent or their substitute or substitutes, may lawfully do
or  cause  to  be  done  by  virtue  hereof.

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

        Signature                       Title                 Date
        ---------                       -----                 ----

/s/  John  L.  Adams,  Jr.            Director           March  20,  2001
--------------------------                               ----------------
John  L.  Adams,  Jr.

/s/  Merriell  Autrey,  Jr.           Director           March  20,  2001
---------------------------                              ----------------
Merriell  Autrey,  Jr.

/s/  Mary  Bobbie  Bailey             Director           March  20,  2001
-------------------------                                ----------------
Mary  Bobbie  Bailey


                                       16
<PAGE>
        Signature                       Title                 Date
        ---------                       -----                 ----

/s/  James.  A.  Baskett              Director           March  20,  2001
------------------------                                 ----------------
James  A.  Baskett

/s/  John  Walter  Drake              Director           March  20,  2001
------------------------                                 ----------------
John  Walter  Drake

/s/  William  F.  Floyd               Director           March  20,  2001
-----------------------                                  ----------------
William  F.  Floyd

/s/  Robert  E.  Lanier               Director           March  20,  2001
-----------------------                                  ----------------
Robert  E.  Lanier

/s/  Carol  G.  Nickola               Director            March  20  2001
-----------------------                                   ---------------
Carol  G.  Nickola

/s/  Lynn  Pasqualetti                Director            March  20  2001
----------------------                                    ---------------
Lynn  Pasqualetti

/s/  Roger  K.  Quillen               Director            March  20  2001
-----------------------                                   ---------------
Roger  K.  Quillen

/s/  James  T.  Smith,  III           Director           March  20,  2001
---------------------------                              ----------------
James  T.  Smith,  III

/s/  Kirby  A.  Thompson              Director           March  20,  2001
------------------------                                 ----------------
Kirby  A.  Thompson

/s/  Judy  B.  Turner        Director, President and     March  20,  2001
---------------------        Chief Executive Officer     ----------------
Judy  B.  Turner              (Principal Executive,
                                  Financial and
                               Accounting  Officer)


                                       17
<PAGE>
                                  EXHIBIT INDEX
                                  -------------



Exhibit
Number    Exhibit
------    -------

3.1       Articles  of  Incorporation.  1/

3.2       Bylaws.  1/

4.1       Instruments  Defining  the Rights of Security Holders. See Articles of
          Incorporation  at Exhibit 3.1 hereto and Bylaws at Exhibit 3.2 hereto.

10.1      Agreement  to  Lease, dated August 20, 1996 between Daniel B. Pattillo
          and  Decatur  First  Bank  Group,  Inc.  1/

10.3*     Employment  Agreement,  dated as of June 1, 1996 among Decatur First
          Bank  (In  Organization),  Decatur  First  Bank Group, Inc and Judy B.
          Turner.  2/

10.4*     1998  Stock  Incentive  Plan  3/

10.5      Agreement  to  Modify  and  Enlarge  the  Main  Office Facility, dated
          January  22,  1999  between Decatur First Bank and Malone Construction
          Company  (Exhibits  omitted.)  4/

13.1      Decatur  First  Bank  Group,  Inc. 2000 Annual Report to Shareholders.
          Except  with  respect  to  those portions specifically incorporated by
          reference  into  this  Report,  the  Company's  2000  Annual Report to
          Shareholders  is  not  deemed  to  be  filed  as  part of this Report.

22.1      Subsidiaries  of  Decatur  First  Bank  Group,  Inc.  3/

23.1      Consent  of  Porter  Keadle  Moore,  LLP

24.1      Power  of  Attorney  (appears  on  the  signature pages to this Annual
          Report  on  10-KSB).



----------------------------------

*     Compensatory  plan  or  arrangement.

1/   Incorporated  herein  by  reference  to  exhibit  of the same number to the
     Company's  Registration Statement on Form SB-2, Registration No. 333-14355,
     filed  October  18,  1996.

2/   Incorporated  herein  by  reference  to  exhibit  10.4  to  the  Company's
     Registration  Statement  on  Form  SB-2,  Registration No. 333-14355, filed
     October  18,  1996.

3/   Incorporated  herein  by  reference  to  exhibit  of the same number in the
     Company's  Annual  Report  on  10-KSB for the year ended December 31, 1997.

4/   Incorporated herein by reference to exhibit of same number in the Company's
     Annual  Report  on  Form  10-KSB  for  the  year  ended  December 31, 1998.


<PAGE>