NETZEE INC S-1

S-1

FORM S-1 REGISTRATION STATEMENT

EX-2.1

AGREEMENT & PLAN OF MERGER DATED 8/6/99

EX-2.2

AGREEMENT & PLAN OF MERGER DATED 9/3/99

EX-2.3

ASSET CONTRIBUTION AGREEMENT

EX-2.4

ASSET CONTRIBUTION AGREEMENT

EX-2.5

ACQUISITION AGREEMENT

EX-2.7

AGREEMENT AND PLAN OF MERGER

EX-3.1

ARTICLES OF INCORPORATION

EX-3.2

BYLAWS

EX-4.2

REGISTRATION RIGHTS AGREEMENT DATED 8/6/99

EX-4.3

REGISTRATION RIGHTS AGREEMENT DATED 9/3/99

EX-4.4

REGISTRATION RIGHTS AGREEMENT 9/3/99

EX-4.5

AGREEMENT DATED 9/3/99

EX-10.11

PROMISSORY NOTE DATED 8/6/99

EX-10.12

PROMISSORY NOTE DATED 9/1/99

EX-10.13

PROMISSORY NOTE DATED 9/1/99

EX-10.14

PROMISSORY NOTE - JOHN W. COLLINS

EX-10.15

PROMISSORY NOTE - GLENN W. STURM

EX-10.16

PROMISSORY NOTE - DONNY R. JACKSON

EX-10.17

PROMISSORY NOTE - RICHARD S. EISWIRTH, JR.

EX-21.1

LIST OF SUBSIDIARIES

EX-23.2

CONSENT OF ARTHUR ANDERSEN LLP

EX-27.1

ARTICLE 5 FINANCIAL DATA SCHEDULE

EX-27.2

ARTICLE 5 FINANCIAL DATA SCHEDULE

EX-27.3

ARTICLE 5 FINANCIAL DATA SCHEDULE

EX-27.4

ARTICLE 5 FINANCIAL DATA SCHEDULE

EX-27.5

ARTICLE 5 FINANCIAL DATA SCHEDULE

EX-99.1

SCHEDULE II OF FINANCIAL STATEMENTS

EX-99.2

REPORT OF INDEPENDENT PUBLIC ACCOUNTANTS