White folk tales about Toccoa Falls are recounted in the writings of Elizabeth F. Ellet[3] and Charles Montgomery Skinner.
The stories, which Ellet and Skinner both independently suggest are apocryphal, involve a theme of White women tricking groups of men to walk off of Toccoa Falls, although the men are Native American in Skinner's story; however, ofin Ellet's account, the White woman has been forced by Native Americans to trick her fellow White settlers.
Mooney's assistant says that the woman in the story "must have been one of the Nûñnë'hï," a race of spirit people in Cherokee mythology.
[1] During the early morning hours of November 6, 1977, after five days of almost continual rain, the dam that impounded the waters of Kelly Barnes Lake (located above the Toccoa Falls College campus) burst, and 176 million gallons of water surged through the campus below in the space of a few minutes.
Most of the college personnel who lived in the path of the flood were asleep at the time, and 39 of them were swept to their deaths in the raging waters of Toccoa Creek.