* 39 acre agricultural tract just of Ga. Hwy. 365 in Habersham County, south of Baldwin, Ga.

* Easy access to major shopping, schools and industrial/commercial growth.

* Property has long paved road frontage.

* County water, sewer, electricity and phone available.

* Property is mostly in fenced pasture with mixed hardwoods,

* Borders large creek with several small creeks on the property.

* Property is located just off a major highway next to industrial and commercial growth.

* Would make excellent farm and has future potential for commercial/industrial/ residential growth.

* This is a BANK OWNED PROPERTY.