Important Fraud Prevention Reminder: Oconee State Bank will never call or text you asking for your personal information. If you receive a call or text from any number asking you to confirm personal account information or verify unusual account activity, please reach out to our Digital Solutions Center by calling 706-769-6611. Do not call the number in the message or provide personal information. Stay Alert. Stay Secure.

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Commercial Lending Team

Andy Flowers

SVP, Community President: Middle Georgia
[email protected]
(478) 298-4811

Andy Flowers brings more than three decades of banking experience to Oconee State Bank, having served in senior and executive management roles across Middle Georgia. He was previously the organizing executive officer of American Pride Bank and has served the region since 1988. Andy is a graduate of Presbyterian College and the Georgia Banking School and serves as a director of the Community Bankers Association of Georgia.