Habersham Bank, a part of Habersham Bancorp, is a full-service community bank with trust, investment, insurance and mortgage departments. Established in 1904, the bank is headquartered in Clarkesville, Ga. Habersham Bank provides checking and savings accounts and business and personal loans. It also offers online banking, money management, financial consultation, and trust and estate planning services. Habersham Bank owns Advantage Insurers, which is an insurance agency headquartered in Cornelia, Ga. Habersham Bank also operates Habersham Mortgage, which is a mortgage banking company. Habersham Bank also provides Internet and telephone banking services.