UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): October 22, 2010 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission File Number) (IRS Employer Incorporation or Organization) Identification No.) 201 First Street, S.E. Moultrie, Georgia 31768 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (229) 985-1120 Not Applicable (Former name or former address, if changed since last report) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: [ ] Written communications pursuant to Rule 425 under the Securities Act. [ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act. [ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act. [ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act. ITEM 2.02 RESULTS OF OPERATIONS AND FINANCIAL CONDITION On October 22, 2010 Southwest Georgia Financial Corporation issued a press release announcing its financial results for the third quarter period ended September 30, 2010. A copy of the press release is furnished as Exhibit 99.1 and is incorporated herein by reference. ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS (c) Exhibits: The following exhibit is furnished with this report. Exhibit 99.1: Southwest Georgia Financial Corporation's press release dated October 22, 2010. SIGNATURES Pursuant to the requirements of the Securities and Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned hereunto duly authorized. SOUTHWEST GEORGIA FINANCIAL CORPORATION /s/George R. Kirkland ----------------------------------- By: George R. Kirkland Senior Vice President and Treasurer October 22, 2010 ----------------------------------- Date EXHIBIT INDEX Exhibit No. Description 99.1 Press Release dated October 22, 2010