Market Overview

Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend

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Southwest
Georgia Financial Corporation
(the "Company") (NYSE:SGB),
a full-service community bank holding company, announced that its Board
of Directors has declared a quarterly cash dividend of $0.12 per common
share. The dividend is payable September 21, 2018 to shareholders of
record on September 11, 2018. The Company has approximately 2.5 million
shares of common stock outstanding.

Southwest Georgia Financial Corporation or its predecessor, Southwest
Georgia Bank, has paid cash dividends for 90 consecutive years.

About Southwest Georgia Financial Corporation

Southwest Georgia Financial Corporation is a state-chartered bank
holding company with approximately $508 million in assets headquartered
in Moultrie, Georgia. Its primary subsidiary, Southwest Georgia Bank,
offers comprehensive financial services to consumer, business, and
government customers. The current banking facilities include the main
office located in Colquitt County and branch offices located in Baker
County, Worth County, Lowndes County and Tift County. In addition to
conventional banking services, the Company provides investment planning
and management, trust management, and commercial and individual
insurance products. Insurance products and advice are provided by
Southwest Georgia Insurance Services, which is located in Colquitt
County. The Company routinely posts news and other important information
on its website.

More information on Southwest Georgia Financial Corporation and
Southwest Georgia Bank can be found at: www.sgb.bank.

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