Southwest Georgia Financial : SGB Announces Fourth Quarter 2017 Conference Call and Webcast

Southwest Georgia Financial Corporation 201 First Street S.E.

Moultrie, GA 31768 PH: [phone] FX: [phone]

News Release

CONTACTS:

Company: Karen T. Boyd

Senior Vice President and Treasurer Phone: [phone]

Investor Relations: Deborah K. Pawlowski Kei Advisors LLC Phone: [phone]

For Immediate Release

Southwest Georgia Financial Corporation Announces Fourth Quarter and Full Year 2017 Conference Call and Webcast

MOULTRIE, GA, January 10, 2018 --Southwest Georgia Financial Corporation (NYSE American: SGB), a full-service community bank holding company, announced that it will release its fourth quarter and full year 2017 results before the opening of financial markets on Tuesday, January 23, 2018.

The Company will host a conference call and webcast to review the financial and operating results for the period and discuss its corporate strategy and outlook. A question-and-answer session will follow.

Fourth Quarter and Full Year 2017 Conference Call

Tuesday, January 23, 2018 1:00 p.m. Eastern Time Phone: [phone]

Internet Webcast:www.sgfc.com

A telephonic replay will be available from 4:00 p.m. ET on the day of the teleconference until Tuesday, January 30, 2018. To listen to the archived call, dial [phone] and enter conference ID number 13675051, or access the webcast replay atwww.sgfc.com/investorrelations.cfm,where a transcript will be posted once available.

About Southwest Georgia Financial Corporation

Southwest Georgia Financial Corporation is a state-chartered bank holding company with approximately $477 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, branch offices located in Baker County, Worth County and Lowndes County, and a loan production office located in Tift County. In addition to conventional banking services, the bank 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 Corp. and Southwest Georgia Bank can be found at:www.sgfc.com.

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