The HeritageBank of the South’s holding company it will be closing two branches, including one in Effingham County, and will be offering early retirement to some employees. Heritage Financial Group intends to close its branch in Collins, which was acquired as part of the acquisition of The Tattnall Bank in 2009, and its branch in Guyton, which was acquired as part of the acquisition of the Citizens Bank of Effingham in 2011. Combined, these branches have loans of approximately $5 million and deposits of $13 million.