CCF Holding Company, Heritage Bancorporation, Inc. and Providence Bank has entered into a Business Combination Agreement following which CCF Holding Company will change its name to Heritage Southeast Bancorporation, Inc. (HSBI). Brian Smith will serve as President and Chief Operating Officer of the HSBI and Brad Serff will serve as Executive Vice President of the HSBI. Following the completion of the transaction, Kenneth R. Lehman will be appointed to board of directors. Leonard A. Moreland, President and Chief Executive Officer of CCF, will continue as the Chief Executive Officer of the HSBI.