Oconee Financial Corp. operates as a bank holding company, which engages in providing commercial and consumer banking services to individuals and businesses. It focuses on retail and small business banking, and offers customary banking services, such as consumer and commercial checking accounts, NOW accounts, money market accounts, savings accounts, certificates of deposit, individual retirement accounts, safe deposit facilities and money transfers. The Bank finances commercial and consumer transactions, makes secured and unsecured loans, offers lines of credit, VISA and MasterCard accounts, and provides a variety of other banking services. Oconee Financial was founded on October 13, 1998 and is headquartered in Watkinsville, GA.