Exchange Bankshares, Inc. operates as the holding company for Exchange Bank that provides personal and business banking products and services in Georgia. It offers checking and savings accounts; and mortgage, real estate, consumer, commercial, and home equity loans. The company also provides cash management, internet and mobile banking, travel club, bill payment, and merchant services, as well as credit cards. In addition, it offers investment management, financial advising, insurance and annuity products, retirement planning, retirement plan rollovers, business retirement plans, and life insurance services. The company was founded in 1903 and is based in Milledgeville, Georgia.