GAINESVILLE, Ga. - First National Bancorp. and FF Bancorp. completed their merger Monday.

Under terms of the deal, FF Bancorp. shareholders got 0.825 of a First National common share for reach share they own.

First National said the banks it acquired in the merger have $608 million of assets. First National now is the parent of 18 commercial banks and two thrift savings banks with total assets of $3 billion.

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