Friday's four failed banks included two from Georgia. Georgia has, or more accurately had, a lot of failed banks: 32 since January 1, 2009. Almost one of every five banks that's failed since then has been from Georgia. Why so many? I don't think of Georgia as a hotbed of real estate speculation, or as an unusually tough place in which to do business. Its bankers should be, as a class, no less numerate than those from Alabama and Mississippi. Yet, in the same time period, only four Alabama banks failed, and not one bank in Mississippi was closed down. It suggests to me that Alabama and Mississippi might want to help out their ravaged neighbor to the east by airlifting Georgia some bankers. They might start by asking Chevis C. Swetman to lend a hand. He's the president of The Peoples Bank of Biloxi, Mississippi, and despite a tough year in 2009 (revenues were 25% below 2006 levels), his bank managed to make a reasonable profit. Last year the Wall Street Journal quoted him on the subject of bankers who took lavish salaries and perks despite losing money and needing government bailouts: he said simply, "These people ain't got a clue."