CB&T HOLDING CORP S-1

S-1

FORM S-1

EX-3.1

ARTICLES OF INCORPORATION

EX-3.2

BY-LAWS

EX-4.1

INDENTURE

EX-4.3

CERTIFICATE OF TRUST

EX-4.4

AMENDED AND RESTATED TRUST AGREEMENT

EX-4.5

CERTIFICATE EVIDENCING PREFERRED SECURITIES

EX-4.6

PREFERRED SECURITIES GUARANTEE AGREEMENT

EX-5.1

OPINION OF ELIAS, MATZ, TIERNAN & HERRICK L.L.P.

EX-5.2

OPINION & CONSENT OF RICHARDS, LAYTON & FINGER

EX-8.1

OPINION OF ELIAS, MATZ, TIERNAN & HERRICK

EX-10.1

1999 SUPPLEMENTAL EXECUTIVE COMPENSATION PLAN

EX-10.2

CONSULTING AGREEMENT -- HENRY M. WALLIS

EX-10.3

1999 CONSULTING AGREEMENT -- DANIEL BUCKMAN

EX-12.1

COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES

EX-21.1

SUBSIDIARIES OF THE CORPORATION

EX-23.1

CONSENT OF GRANT THORNTON LLP

EX-23.4

CONSENT OF ROTH MURPHY SANFORD L.L.P.

EX-25.1

FORM T-1 FOR TRUSTEE UNDER THE INDENTURE

EX-25.2

FORM T-1 FOR TRUSTEE UNDER DECLARATION OF TRUST

EX-25.3

FORM T-1/ BENEFIT OF PREFERRED SECURITIES HOLDERS

EX-27.1

FINANCIAL DATA SCHEDULE