SOUTHEAST

Wachovia Bank of Georgia, Atlanta, has promoted vice presidents Jo Ann Mustian, Andrew Beard, and Richard A. Oglesby Jr., to senior vice president.

Ms. Mustian is loan administration manager for the commercial banking group.

Mr. Beard is the manager of financial institutions in the bond and money market department.

Mr. Oglesby is a risk manager for the corporate finance department.

Another Wachovia Corp. unit, Wachovia Corporate Financial Services Inc. said it had promoted vice presidents David L. Gaines, Edward H. Hutchison, Joseph J. Thomas, and Catherine L. Trense to senior vice president in their respective areas.

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