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News Release
INVESTOR AND MEDIA CONTACT:
George R. Kirkland
Senior Vice President and Treasurer
Phone: (229) 873-3830
investorinfo@sgfc.com


                             For Immediate Release

               Southwest Georgia Financial Corporation Announces
                             Management Additions

MOULTRIE, GEORGIA, January 6, 2011 -- Southwest Georgia Financial Corporation
(NYSE Amex: SGB), a full service community bank holding company, today
announced that Jeff Hanson has been appointed Executive Vice President of
Southwest Georgia Bank.  His previous banking experience includes 16 years
with Park Avenue Bank in Valdosta, Georgia, where he most recently held the
position of Valdosta Market President.  Mr. Hanson holds a Bachelor's Degree
in Business Administration from the University of Georgia.  He is also a
graduate of the American Bankers Association National Commercial Lending
School at Southern Methodist University and the Georgia Bankers Association
Georgia School of Banking at the University of Georgia.  He joined Southwest
Georgia Bank on December 17, 2010.

Mr. DeWitt Drew, President and CEO of Southwest Georgia Financial, commented,
"Jeff brings a wealth of experience and new ideas to our Company and is a
critical component to our success in the Valdosta market.  He's a great
addition to the team."

The Company also announced that Jud Moritz has been appointed Senior Vice
President of Southwest Georgia Bank.  His previous banking experience
includes 5 1/2 years with Park Avenue Bank in Valdosta, Georgia, where he most
recently held the position of Senior Vice President.  He was also Vice
President of Commercial Lending for Regions Bank for 5 years prior to joining
Park Avenue Bank.  Mr. Moritz holds a Bachelor of Science Degree in Forest
Resources from the University of Georgia, and is currently enrolled in the
Georgia Bankers Association Georgia School of Banking at the University of
Georgia. He joined Southwest Georgia Bank on December 17, 2010.

Also joining Southwest Georgia Bank are Leanne Balanis and Patrick Brown.

Ms. Balanis has been appointed Assistant Vice President of Southwest Georgia
Bank and will be the deposit and cash management specialist for the Company's
Valdosta Banking Division.  Her previous banking experience includes 12 years
with Park Avenue Bank in Valdosta, Georgia, where she most recently held the
position of Assistant Vice President of Deposit Relations.  Ms. Balanis holds
a Bachelor of Arts Degree in Psychology from Valdosta State University.

Patrick Brown has been appointed Assistant Vice President of Southwest
Georgia Bank where he will be involved in commercial lending. His previous
banking experience includes 5 years with Park Avenue Bank in Valdosta,
Georgia, where he most recently held the position of Loan Manager.  He was
also previously a Loan Assistant for Regions Bank for 3 years in the Valdosta
area.  Mr. Brown holds a Bachelors Degree in Business Administration from
Valdosta State University.

Ms. Balanis and Mr. Brown also joined Southwest Georgia Bank on December 17,
2010.

DeWitt Drew noted, "We are excited about the opportunities the Valdosta
market holds for SGB.  Jud, Leanne, and Patrick bring great talent and
enthusiasm and will be critical to driving growth for our Company."

About Southwest Georgia Financial Corporation
Southwest Georgia Financial Corporation is a state-chartered bank holding
company with approximately $311 million in assets headquartered in Moultrie,
Georgia. Its primary subsidiary, Southwest Georgia Bank, offers comprehensive
financial services to consumer, business, and governmental customers. The
current banking facilities include the main office located in Colquitt
County, and branch offices located in Baker County, Thomas County, Worth
County, and Lowndes County. In addition to conventional banking services, the
bank provides investment planning and management, trust management, mortgage
banking, and commercial and individual insurance products.  Insurance
products and advice are provided by Southwest Georgia Insurance Services
which is located in Colquitt County. Mortgage banking for primarily
commercial properties is provided by Empire Financial Services, Inc., a
mortgage banking services firm.

More information on Southwest Georgia Financial Corp. and Southwest Georgia
Bank can be found at its website:  www.sgfc.com.

SAFE HARBOR STATEMENT
This news release contains certain brief forward-looking statements
concerning the Company's outlook. The Company cautions that any forward-
looking statements are summary in nature, involve risks and uncertainties and
are subject to change based on various important factors, many of which may
be beyond the Company's control. Accordingly, the Company's future
performance and financial results may differ materially from those expressed
or implied in any such forward-looking statements. The following factors,
among others, could affect the Company's actual results and could cause
actual results in the future to differ materially from those expressed or
implied in any forward-looking statements included in this release:  the
ability of the bank to manage the interest rate environment, the success of
reducing operating costs, overall economic conditions, customer preferences,
the impact of competition, and  the ability to execute its strategy for
growth. Additional information regarding these risks and other factors that
could cause the Company's actual results to differ materially from our
expectations is contained in the Company's filings with the Securities and
Exchange Commission.  Except as otherwise required by federal securities
laws, Southwest Georgia Financial undertakes no obligation to publicly update
or revise any forward-looking statements, whether as a result of new
information, future events or otherwise.