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About Us

WB&T Bankshares, Inc.

WB&T Bankshares is the holding company for Guardian Bank and is headquartered in Waycross, Ga. The following banks are subsidiaries of WB&T Bankshares, Inc.


Guardian Bank

In 1997 the founding director's of Guardian Bank made a bold decision to begin a new bank, one that would have its roots firmly planted in South Georgia and dedicated to serving the people who enjoy living and working in this unique and prosperous region of our nation. The primary goal was to develop a safe and sound community bank to serve the growing economic needs of South Georgia.

It is our good fortune to have an outstanding Board of Directors which works closely with Guardian Bank's management team and practices perpetual and long-range planning, investing, and improving services.

In the spirit of our founding fathers, Guardian Bank has the opportunity to continue its proud legacy and build its visionary future. Guardian Bank thanks its loyal customers for entrusting their financial resources and banking needs with our growing community bank.

Regulatory approvals were obtained in May 1997 to open the first Valdosta office of Guardian Bank on North Ashley Street. The opening occurred in November 1997, and the facility operated as a full-service branch of Waycross Bank and Trust. The office rapidly exceeded original growth projections. Permission for a second branch office was obtained in May 1999, and Guardian Bank opened its new lead branch office at 701 Wildwood Plantation Drive in the fourth quarter of 2000. In May 2001, Guardian Bank was granted its own charter by the Department of Banking and Finance and is now a separately chartered commercial bank under the holding company WB&T Bankshares, Inc. In the year 2005, a third location was approved and opened its doors on Norman Drive during the first quarter of 2006.

We have a strong group of ten local businessmen serving as directors of Guardian Bank. Two directors, Parrish Clark and Ray Chitty, also hold executive management positions in the bank. Our directors are involved and informed, devoting significant hours to Board and committee meeting schedules, local business development and civic efforts, and corporate governance oversight.

We have a wealth of executive talent in the Guardian Bank management team with each member experiencing over thirty years in their banking career. We also have many long-tenured senior and mid-level officers among our ranks to add stability and experience.

Our bank is full service, with local shareholders, providing an assortment of banking services to residents and businesses of Lowndes County and the surrounding area, and three of the four locations offer commercial loans, real estate loans, and consumer loans. The bank offers a full range of interest-bearing and noninterest-bearing accounts, including commercial and consumer checking accounts, money market accounts, individual retirement accounts, savings accounts, and certificates of deposit, along with state of the art check imaging. In addition, Guardian Bank provides such services as Interactive Teller Machines, a Customer Care Center, online banking, with bill payment, automatic teller machines, drive-in banking, 24-hour telephone banking, debit cards, credit cards, discount brokerage services, safe deposit boxes, night depositories, bank-by mail services, direct deposit, ACH origination, U.S. Savings Bonds, traveler's checks, cashier's check and wire transfers.

We take pride in our concerted efforts to exceed client expectations. We are committed to our customers and our communities and strive to provide the best possible service and responsiveness.

We, at Guardian Bank, look forward to serving you!

Why Guardian



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