Market Overview

Southwest Georgia Financial Corporation to Present at Sidoti & Company Fall 2018 Conference

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Southwest
Georgia Financial Corporation
(the "Company") (NYSE:SGB),
a full-service community bank holding company, announced that DeWitt
Drew, President and CEO, will present and be available for investor
meetings at the Sidoti & Company Fall Conference in New York City on
Thursday, September 27, 2018.

The Company's presentation will begin at 3:15 p.m. Eastern Time. A link
to the live webcast of the presentation, along with presentation
materials, will be available at www.sgb.bank/investor-relations.
An archive of the presentation will be accessible in the Investor
Relations section of the website, along with a transcript once available.

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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