Exhibit 99.1

                                 InterCept, Inc.
                       3150 Holcomb Bridge Road, Suite 200
                             Norcross, Georgia 30071

                                 March 29, 2002

Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C. 20549

Ladies and Gentlemen:

         Arthur Andersen LLP ("Andersen") has represented to InterCept, Inc.
that its audit of the financial statements contained in InterCept, Inc.'s Annual
Report on Form 10-K for the year ended December 31, 2001 was subject to
Andersen's quality control system for the U.S. accounting and auditing practice
to provide reasonable assurance that the engagement was conducted in compliance
with professional standards and that there was appropriate continuity of
Andersen personnel working on the audit and availability of national office
consultation.

                     InterCept, Inc.


                     By:  /s/  Scott R. Meyerhoff
                          --------------------------
                     Name:  Scott R. Meyerhoff
                     Title:  Senior Vice President, Chief Financial Officer, and
                             Secretary