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                                 UNITED STATES
                            Washington, D.C.  20549

                                   FORM 8-K

                                CURRENT REPORT

                    Pursuant to Section 13 or 15(d) of the
                        Securities Exchange Act of 1934

      Date of Report (Date of Earliest Event Reported):  January 25, 2011

            (Exact name of Registrant as Specified in its Charter)

           Georgia                       001-12053              58-1392259
(State or other Jurisdiction of   (Commission File Number)     (IRS Employer
Incorporation or Organization)                              Identification No.)

         201 First Street, S.E.
           Moultrie, Georgia                                  31768
 (Address of principal executive offices)                   (Zip Code)

      Registrant's telephone number, including area code:  (229) 985-1120

                                Not Applicable
         (Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:

[  ] Written communications pursuant to Rule 425 under the Securities Act.

[  ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act.

[  ] Pre-commencement communications pursuant to Rule 14d-2(b) under the
     Exchange Act.

[  ] Pre-commencement communications pursuant to Rule 13e-4(c) under the
     Exchange Act.

ITEM 2.02 RESULTS OF OPERATIONS AND FINANCIAL CONDITION On January 25, 2011 Southwest Georgia Financial Corporation issued a press release announcing its financial results for the fourth quarter period ended December 31, 2010. A copy of the press release is furnished as Exhibit 99.1 and is incorporated herein by reference. ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS (c) Exhibits: The following exhibit is furnished with this report. Exhibit 99.1: Southwest Georgia Financial Corporation's press release dated January 25, 2011. SIGNATURES Pursuant to the requirements of the Securities and Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned hereunto duly authorized. SOUTHWEST GEORGIA FINANCIAL CORPORATION /s/George R. Kirkland ----------------------------------- By: George R. Kirkland Senior Vice President and Treasurer January 25, 2011 ----------------------------------- Date EXHIBIT INDEX Exhibit No. Description 99.1 Press Release dated January 25, 2011