Southwest Georgia Financial Corporation is a state-chartered bank
holding company with approximately $305 million in assets
headquartered in Moultrie, Georgia.

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Small, Chairman,
President and Chief Executive Officer, and John C. The presentation will be
Webcast live and also archived .m.
First Defiance Financial Corp.

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Interested investors are invited to view a live Webcast of the
presentation including audio and user driven presentation slides by logging on
to http: //www.

Business Editors
Southeast Super-Community Bank Conference

MOULTRIE, Ga.m.

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The presentation will be archived
on http://www.

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's community financial services business strategy as well as results for
2004 and the first quarter of 2005.super-communitybanking., headquartered in Defiance, Ohio, is the
holding company for First Federal Bank of the Midwest and First Insurance +
Investments.sgfc.

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m. Small and Wahl will discuss First Defiance Financial
Corp. Its primary subsidiary , Southwest
Georgia Bank, offers comprehensive financial services to consumer,
business, and governmental customers.com

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on Tuesday, May 24,
2005 at 9:20 a.com for 30 days.

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Eight community banks are scheduled to
present over two days.

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Wahl, Executive Vice
President and Chief Financial Officer , will present at the 2005 Northeast
Super-Community Bank Investor Conference in Boston, Mass.fdef . The bank
provides, in addition to conventional banking services, investment
planning and management , trust management, mortgage banking and
commercial and individual insurance products.

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First Federal operates 25 full service branches and 31 ATM
locations in northwest Ohio.

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For more information, visit the company's Web site
at http://www.----Southwest Georgia
Financial Corporation (AMEX:SGB), the parent company of Southwest
Georgia Bank, a community bank serving Moultrie, Georgia and
surrounding regions, announced today that DeWitt Drew, President and
CEO will present at the Southeast Super-Community Bank Conference on
Wednesday, February 9 , 2005, in Atlanta, Georgia.
Southwest Georgia Financial's presentation is scheduled to begin
at 4:20 p.sgfc.

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on May 24

DEFIANCE, Ohio, First Defiance Financial
Corp.super-communitybanking . and
Southwest Georgia Bank can be found at its website: www.

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com for 30 days.com .

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m.
The presentation will also be available on the Investor Relations portion
of the company website at http://www.

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Mortgage banking for
primarily commercial properties is provided by Empire Financial
Services, Inc.

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com on May 24, 2005 at approximately
9:20 a. EDT. First Insurance + Investments is the largest
property and casualty insurance agency in the Defiance, Ohio area and it also
specializes in life and group health insurance and financial planning.

More information on Southwest Georgia Financial Corp .

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Southwest Georgia Financial to Present at the Southeast Super-Community Bank Conference

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com for 90
days.

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First Defiance to Present at 2005 Northeast Super-Community Bank Conference

A live webcast of the presentation along with
presentation materials will be available at the Company's website at
www.

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com
If you are unable to listen to the live presentation, an archive
will be made available on the Company's website at www., a mortgage banking services firm.

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fdef.sgfc.

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(Nasdaq: FDEF) announced today that William J. Eastern Daylight Time (EDT).
The conference is sponsored jointly by the presenting banks, speaking to
an audience of institutional investors, high net worth individuals and
analysts from leading brokerage firms.

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About First Defiance Financial Corp. The current banking facilities
include the main office located in Colquitt County, branch offices
located in Baker County, Thomas County, and Worth County. Insurance products and
advice are provided by Southwest Georgia Insurance Services which has
offices in Colquitt and Mitchell Counties.

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Live Webcast at 9:20 a.