Title 7, Chapter 1, Section 410
(a) Except as provided in subsections (b) and (c) of this Code
section, the minimum capital stock of a de novo bank or trust
company shall be $3 million.
(b) A de novo bank or trust company whose main office is located in
a county with a population of less than 200,000, according to the
last official United States census, shall have a minimum capital
stock of $2 million.
(c) A bank or trust company existing on July 1, 1989, with a capital
stock of less than that required by subsections (a) and (b) of this
Code section shall not be required to increase its capital stock
above the amount outstanding on July 1, 1989, except as otherwise
provided by law.