Attached files
EXHIBIT 31.1
I, DeWitt Drew, certify that:
1. I have reviewed this annual report on Form 10K of Southwest Georgia
Financial Corporation;
2. Based on my knowledge, this report does not contain any untrue statement
of a material fact or omit to state a material fact necessary to make the
statements made, in light of the circumstances under which such statements
were made, not misleading with respect to the period covered by this
report;
3. Based on my knowledge, the financial statements, and other financial
information included in this report, fairly present in all material
respects the financial condition, results of operations and cash flows of
the Corporation as of, and for, the periods presented in this report;
4. The Corporation's other certifying officers and I have been responsible
for establishing and maintaining disclosure controls and procedures (as
defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal
control over financial reporting (as defined in Exchange Act Rules
13a-15(f) and 15d-15(f)) for the Corporation and have:
a) designed such disclosure controls and procedures, or caused such
disclosure controls and procedures to be designed under our
supervision, to ensure that material information relating to the
Corporation, including its consolidated subsidiaries, is made known to
us by others within those entities, particularly during the period in
which this report is being prepared; and
b) designed such internal control over financial reporting, or caused
such internal control over financial reporting to be designed under
our supervision, to provide reasonable assurance regarding the
reliability of financial reporting and the preparation of financial
statements for external purposes in accordance with generally accepted
accounting principles; and
c) evaluated and presented in this report our conclusions about the
effectiveness of the disclosure controls and procedures, as of the end
of the period covered by this report based on such evaluation; and
d) disclosed in this report any change in the Corporation's internal
control over financial reporting that occurred during the
Corporation's most recent fiscal quarter that has materially affected,
or is reasonably likely to materially affect, the Corporation's
internal control over financial reporting;
5. The Corporation's other certifying officer(s) and I have disclosed,
based on our most recent evaluation of internal control over financial
reporting, to the Corporation's auditors and the audit committee of the
Corporation's board of directors:
a) all significant deficiencies and material weaknesses in the design or
operation of internal control over financial reporting which are
reasonably likely to adversely affect the Corporation's ability to
record, process, summarize and report financial information; and
b) any fraud, whether or not material, that involves management or other
employees who have a significant role in the Corporation's internal
control over financial reporting.
Date: March 31, 2011
/s/DeWitt Drew
DeWitt Drew
President and Chief Executive Officer
Southwest Georgia Financial Corporation