All Oconee State Bank locations will operate on normal business hours on Monday, February 2. Thank you to our customers and communities for your patience and understanding during the recent weather impacts. We are truly grateful for your continued trust and look forward to welcoming you back in our offices.

FDIC-Insured – Backed by the full faith and credit of the U.S. Government

Open an Account Login
Menu
Menu
Open an Account Login
Open an Account Login

Commercial Lending Team

Joe Godfrey

SVP, Community President: Gwinnett
[email protected]
(678) 983-9425
(770) 616-4741

With more than 25 years in community banking, Joe Godfrey brings deep experience and a passion for serving others. He began his financial career at Gwinnett Community Bank in 1999 and joined Oconee State Bank in 2019. Joe previously spent 15 years in the automotive industry before transitioning into banking and is a past president of the Rotary Club of Gwinnett, remaining active in community service today.