WGNB Corp. operates as the holding company for First National Bank, which provides banking services to individuals and small to medium-sized businesses in Georgia. The companys deposits products primarily include checking accounts, NOW accounts, savings accounts, money market accounts, and certificates of deposit. Its loan portfolio comprises commercial real estate loans, construction and development loans, residential real estate loans, home equity loans, commercial loans, financial loans, and agricultural loans, as well as consumer loans for personal and household purposes, including secured and unsecured installment and term loans, and lines of credit.