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

Phillip Edwards

SVP, Community President: Athens
[email protected]
(706) 310-2180
(678) 316-4870

Phillip Edwards brings 25 years of experience to his work with business owners and professionals. He specializes in medical, commercial, industrial, and owner-occupied credit financing, providing solutions designed to meet unique business needs. Phillip is passionate about supporting clients in a true community bank environment where relationships come first.