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                                EXHIBIT 32.2



               Certification of Periodic Financial Report by
         Chief Financial Officer Pursuant to 18 U.S.C. Section 1350
as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002



I, George R. Kirkland, Senior Vice-President and Treasurer of Southwest
Georgia Financial Corporation certify that:

  (1)  The Corporation's Annual Report on Form 10-K for the annual period
       ended December 31, 2010 (the "Report") fully complies with the
       requirements of section 13(a) or 15(d) of the Securities Exchange
       Act of 1934; and

  (2)  The information contained in the Report fairly present, in all material
       respects, the financial condition and results of operations of the
       Corporation.



                                 By:   /s/George R. Kirkland
                                       George R. Kirkland
                                       Senior Vice-President and Treasurer
                                       (Chief Financial Officer)
                                       Southwest Georgia Financial Corporation
March 31, 201