David D. Stovall

DAVID D. STOVALL is the President and Chief Executive Officer of
Habersham Bancorp in Cornelia, Georgia. He has been employed with
Habersham since 1979. Mr. Stovall became the Chief Executive Officer of
the company in 1989. Since becoming CEO, the company has expanded from
community banking to include a full service independent insurance
agency, a full service mortgage company, trust and investment services,
and investment services for clients. Aside from his involvement in the
daily activities of Habersham Bancorp, Mr. Stovall is active in various
local and regional undertakings, including the Executive Board of the 13
county Georgia Mountains Regional Development Commission, various
Chambers of Commerce in the Northeast Georgia region, Rotary
International and other organizations.