**EXHIBIT 32.1**

**STATEMENT OF CHIEFEXECUTIVE OFFICER OF****CRESCENT BANKING COMPANY****PURSUANT TO 18 U.S.C. SECTION 1350,****AS ADOPTED PURSUANT TO****§ 906 OF THESARBANES-OXLEY ACT OF 2002**

In connection with the Quarterly Report of Crescent Banking Company (the “Company”) on Form 10-Q for the period endedJune 30, 2003, as filed with the Securities and Exchange Commission on the date hereof (the “Report”), I, J. Donald Boggus, Jr., Chief Executive Officer of the Company, do hereby certify, pursuant to 18 U.S.C. § 1350, as adoptedpursuant to § 906 of The Sarbanes-Oxley Act of 2002, that: 

|  | 1) | The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and |
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|  | 2) | The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company. |
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|---------------------------------------------------------------------------------------|--------|--------|--------|
| /s/  J. DONALD BOGGUS,JR.                                                   |   |   |        |
|                                                                                       |   |   |   |
| **J. Donald Boggus, Jr.****President and Chief Executive Officer****August 14, 2003** |   |   |   |

 

**STATEMENT OF CHIEF FINANCIAL OFFICER OF****CRESCENT BANKING COMPANY****PURSUANT TO 18 U.S.C. SECTION 1350,****AS ADOPTED PURSUANT TO****§ 906 OF THE SARBANES-OXLEY ACT OF 2002**

In connection with the Quarterly Report of Crescent Banking Company (the “Company”) on Form10-Q for the period ended June 30, 2003, as filed with the Securities and Exchange Commission on the date hereof (the “Report”), I, Leland W. Brantley, Jr., Chief Financial Officer of the Company, do hereby certify, pursuant to 18 U.S.C.§ 1350, as adopted pursuant to § 906 of The Sarbanes-Oxley Act of 2002, that: 

|  | 1) | The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and |
|--|----|-----------------------------------------------------------------------------------------------------------------------|

|  | 2) | The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company. |
|--|----|------------------------------------------------------------------------------------------------------------------------------------------------------|

 

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| /s/  LELAND W. BRANTLEY, JR.                                    |   |   |        |
|                                                                           |   |   |   |
| **Leland W. Brantley, Jr.****Chief Financial Officer****August 14, 2003** |   |   |   |