ITEM 8.01 OTHER EVENTS

On November 29, 2012, Southwest Georgia Financial Corporation announced that its Board of Directors at its meeting yesterday declared a quarterly cash dividend of $0.04 per common share. The dividend is payable December 20, 2012 to shareholders of record on December 10, 2012. The Corporation paid a cash dividend of $0.04 per common share in March, May, and September 2012. Southwest Georgia Financial Corporation or its predecessor, Southwest Georgia Bank, has paid cash dividends for 84 consecutive years.

A copy of that press release is attached as Exhibit 99.1 to this Current Report.

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 November 29, 2012.