ABC Bancorp is the holding company for 11 bank subsidiaries that operate 45 banking offices in Georgia, Florida, and Alabama. The banks provide savings, checking, money market, and individual retirement accounts, as well as certificates of deposit. The banks also offer credit cards, money transfers, and safe-deposit-box rentals. In addition, the banks make agricultural, business, real estate, and consumer loans. U.S. government securities make up most of the company's investment portfolio.