UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): November 16, 2009

CRESCENT BANKING COMPANY

(Exact name of registrant as specified in its charter)

Georgia

0-20251

58-1968323

(State or other jurisdiction

of incorporation)

(Commission

File Number)

(IRS Employer

Identification No.)


7 Caring Way, Jasper, Georgia		30143
(Address of principal executive offices)		(Zip Code)

(678) 454-2266

(Registrant’s telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

¨	Written communications pursuant to Rule 425 under the Securities Act

¨	Soliciting material pursuant to Rule 14a-12 under the Exchange Act

¨	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act

¨	Pre-commencement communication pursuant to Rule 13e-4(c) under the Exchange Act

Item 2.02.

Results of Operations and Financial Condition.

On November 16, 2009, Crescent Banking Company (the “Company”) issued a press release (the “Press Release”) announcing the Company’s results of operations and financial condition for the quarter ended September 30, 2009.

Pursuant to General Instruction F to the Securities and Exchange Commission’s Form 8-K (“General Instruction F”), a copy of the Press Release is attached to this Report as Exhibit 99.1 and is incorporated into this Item 2.02 by this reference. The information contained in this Item 2.02, including the related information set forth in the Press Release attached hereto and incorporated by reference herein, is being “furnished” and shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that Section. The information in this Item 2.02 shall not be incorporated by reference into any registration statement or other document filed pursuant to the Securities Act of 1933, as amended (the “Securities Act”), or into any document filed pursuant to the Exchange Act, except as otherwise expressly stated by the Company in any such filing.

Item 9.01.

Financial Statements and Exhibits.

(d)

Exhibits.


Exhibit No.		Description

99.1		Press Release issued by Crescent Banking Company on November 16, 2009.*

*	Furnished electronically as an exhibit to this Report. As further described in Item 2.02 of this Report, this exhibit is being “furnished” and not “filed” with this Report.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.


CRESCENT BANKING COMPANY

By:		/S/ J. DONALD BOGGUS, JR.
		J. Donald Boggus, Jr.
		President and Chief Executive Officer

Date: November 20, 2009

EXHIBIT INDEX


Exhibit No.		Description

99.1		Press release issued by Crescent Banking Company on November 16, 2009.*

*	Furnished electronically as an exhibit to this Report. As further described in Item 2.02 of this Report, this exhibit is being “furnished” and not “filed” with this Report.

CRESCENT BANKING CO 8-K