Choose the bank that’s invested in you—and the communities we all call home.
At Exchange Bank, we believe banking is about more than managing money—it’s about building lasting relationships and strengthening the communities we serve. For more than 122 years, we’ve been proud to call Middle Georgia home, serving Milledgeville, Gray, and Lake Oconee with the same personal attention and genuine care that have defined us since day one.
Our Mission
Our mission is simple: to provide exceptional financial services while investing in the people, businesses, and neighborhoods that make our communities thrive. We do this by combining modern banking technology with the personal touch only a community bank can offer.
Our Values
Customer First – We listen, we care, and we go the extra mile to meet your needs.
Community Commitment
We give back through sponsorships, volunteerism, and programs that support education, small businesses, and local causes.
Integrity & Trust
We believe in transparency, accountability, and doing the right thing every time.
Excellence in Service
From the teller line to our lending team, you’ll always find a friendly face and a helpful hand.
What We Offer
From personal checking and savings accounts to home loans, business services, and cutting-edge digital banking, we’re here to help you reach your goals—no matter where life takes you. Whether you prefer to bank in person, online, or on the go, Exchange Bank offers secure, convenient, and flexible solutions tailored to your needs.
Where Community Matters
As a locally owned and operated bank, we understand that strong communities are built on connection. That’s why you’ll find us volunteering in local schools, sponsoring youth programs, supporting local businesses, and standing alongside our neighbors in times of need.
At Exchange Bank, you’re not just another account—you’re part of our community, our story, and our future.
Our History
Our Beginnings (1903)
The history of Exchange Bank began almost 120 years ago. Chartered on May 20, 1903, the bank opened its doors to customers on June 3, 1903 at its original location in downtown Milledgeville, 120 West Hancock Street.
Early Expansion (1960s–1970s)
In 1963, Exchange Bank opened a second location on the south side of Milledgeville on Wayne Street.
During the 1960s, the Main Office operated at 208 West Hancock Street, near the site of the current Milledgeville Baldwin County Convention and Visitor Center.
In 1972, the bank opened a third branch on the north side of town in the Milledgeville Mall parking lot. This branch introduced Baldwin County’s first ATM in the fall of 1979, marketed as the “Georgia Express.” Photos from the time show President Otto Morrison in a conductor’s uniform helping his granddaughter complete the very first ATM transaction.
Main Office Relocation and Upgrades (1978–1994)
In December 1978, the Main Office moved to its current location at 250 West Hancock Street.
The building underwent renovations in 1989, adding office space, a training room, and a board room.
In 1994, a drive-up window was added to meet customers’ needs for convenience in a faster-paced world.
New Markets and Services (1995–2004)
In 1995, Exchange Bank launched the New Horizons Travel Club—a business development initiative that grew into a thriving travel community for customers and friends.
In April 1998, the bank expanded into Jones County, opening a branch in Gray, followed by the Lake Oconee office in May 2004.
To further serve customers’ financial needs, Exchange Investment Services, Inc. began operations on December 1, 2003, offering full brokerage and wealth management services through LPL Financial.
Securities and insurance products are offered through LPL or its affiliates, which are separate from Exchange Bank and Exchange Investment Services. These products are: Not FDIC Insured | Not Bank Guaranteed | May Lose Value | Not Guaranteed by any Government Agency | Not a Bank Deposit
Lake Sinclair Branch (2017)
In March 2017, Exchange Bank of Lake Sinclair opened next to the Kroger shopping center in Milledgeville. Designed as a state-of-the-art facility, it features the latest in banking technology.
Our People and Community
Exchange Bank remains deeply rooted in community service and customer care. As local business owner Sheila Sanders shares,
“From the moment we walked in the door, you could feel the warmth and level of customer service. Exchange Bank is the example of how a business should be.” President and CEO John Childs adds, “We provide much more than financial transactions—we have a deep community spirit, and we foster personal relationships and customer trust.”
Resilience Through the Years
Through depressions, wars, inflation, and a pandemic, Exchange Bank has continued to thrive. Today, we operate four locations—two in Milledgeville, one in Gray, and one at Lake Oconee.
Leadership Over the Years
1903–1927: Mr. John Conn, President and CEO
1927–1958: Mr. Otto M. Conn, President and CEO
1958–1979: Mr. John E. Garner, Jr., President and CEO
1979–1994: Mr. Otto C. Morrison, President and CEO
1994–1996: Mr. William D. Hart, President and CEO
1997–2003: Mr. M. W. “Buster” Milner, President and CEO
2004–2005: Mr. Henry J. Pope, Jr., CEO and Bradley P. Serff, President
2005–2019: Mr. Henry J. Pope, Jr., President and CEO
2019–Present: Mr. John C. Childs, Jr., President and CEO