Hosea “Hod” P. Clements and his wife, Alma, lived in a house on Jones Street, Ray City, GA.
According to a 1973 Valdosta Times interview, Hod Clements was born in 1890 in Milltown (nka Lakeland), GA and moved to Ray City in the 1920s.
Armed with a degree from the Georgia Normal College and Business Institute, Hod Clements went into business in Ray City.
”From 1923 until 1945 Clements operated a general store named Swindle and Clements.”
In 1948, buying the old Ray City Bank and its equipment for $3,500 he began banking with a capital of $10,000.
The original Ray City Bank was begun by his uncle Jim Swindle who organized it around 1908.