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Ameris Bancorp, a bank holding company, offers various retail and commercial banking services in Georgia, Florida, and Alabama. The company provides a range of deposit products, including checking, savings, NOW, money market, time deposit accounts, and individual retirement accounts. Its lending activities include provision of real estate-related loans, agriculture-related loans, commercial and financial loans, and consumer installment loans to corporations, partnerships, and individuals. Ameris Bancorp also offers Internet banking, letters of credit, brokerage services, fixed rate annuities, safe deposit box rentals, bank official checks, electronic funds transfer, automated teller machines, credit and debit cards, and overdraft protection services. The company's investment portfolio consists of the U. S. Government and federal agencies securities; state and municipal securities; corporate debt securities; mortgage-backed securities; and marketable equity securities. In addition, Ameris Bancorp provides trust services to its customers. As of September 30, 2005, the company operated 37 branches. Ameris Bancorp was formed in 1971. The company was formerly known as ABC Bancorp and changed its name to Ameris Bancorp in December 2005. Ameris Bancorp is headquartered in Moultrie, Georgia.