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The Albany, Florida and Northern Railway (AF&N) was chartered in 1889 and built a railway between Albany and Cordele, Georgia, beginning operation in 1891. The following year the line was leased to the Savannah, Americus and Montgomery Railroad (SA&M), who was responsible for obtaining the charter to begin with. When the SA&M entered receivership in 1892 and was sold under foreclosure in 1895, the AF&N was spun off as a separate independent company, the Albany and Northern Railway.
