UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                     FORM 15

Certification and Notice of Termination of Registration under Section
12(g) of the Securities Exchange Act of 1934 or Suspension of Duty to
File Reports Under Sections 13 and 15(d) of the Securities Exchange Act
of 1934.

                        Commission File Number: 000-23763

                              QUITMAN BANCORP, INC.
                              ---------------------
             (Exact name of registrant as specified in its charter)

                 602 East Screven Street, Quitman, Georgia 31643
                                 (229) 263-7538
                                 --------------
    (Address, including zip code, and telephone number, including area code,
                  of registrant's principal executive offices)

                          Common stock, $0.10 par value
                          -----------------------------
            (Title of each class of securities covered by this Form)

                                      None
                                      ----
   (Titles of all other classes of securities for which a duty to file reports
                      under Section 13(a) or 15(d) remains)

         Please place an X in the box(es) to designate the appropriate rule
provisions(s) relied upon to terminate or suspend the duty to file reports:

    Rule 12g-4(a)(1)(i)        [x]        Rule 12h-3(b)(1)(ii)     [  ]
    Rule 12g-4(a)(1)(ii)       [ ]        Rule 12h-3(b)(2)(i)      [  ]
    Rule 12g-4(a)(2)(i)        [ ]        Rule 12h-3(b)(2)(ii)     [  ]
    Rule 12g-4(a)(2)(ii)       [ ]        Rule 15d-6               [  ]
    Rule 12h-3(b)(1)(i)        [x]

 Approximate number of holders of record as of the certification or notice date:
                                     One (1)
                                     -------

         Pursuant to the requirements of the Securities Exchange Act of 1934,
Quitman Bancorp, Inc. has caused this certification/notice to be signed on its
behalf by the undersigned duly authorized person.

DATE: March 29, 2002                          /s/ Melvin E. Plair
                                            -----------------------------------
                                            Melvin E. Plair, President