EXHIBIT 32.1



STATEMENT OF CHIEF EXECUTIVE 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 Form 10-Q for the period ended September 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 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/ J. DONALD BOGGUS, JR.                                                    
|-----------------------------------------------------------------------------
|J. Donald Boggus, Jr. President and Chief Executive Officer November 14, 2003



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A signed original of this written statement required by § 906 of The Sarbanes-Oxley Act of 2002, or other document authenticating, acknowledging, or otherwise adopting the signature that appears in typed form
within the electronic version of this written statement required by § 906 of The Sarbanes-Oxley Act of 2002, has been provided to Crescent Banking Company and will be retained by Crescent Banking Company and furnished to the Securities and
Exchange Commission or its staff upon request.



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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 Form 10-Q for the period ended September 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.
| | -- |  | ----------------------------------------------------------------------------------------------------------------------------------------------------



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



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A signed original of this written statement required by § 906 of The Sarbanes-Oxley Act of 2002, or other document authenticating, acknowledging, or otherwise adopting the signature that appears in typed form
within the electronic version of this written statement required by § 906 of The Sarbanes-Oxley Act of 2002, has been provided to Crescent Banking Company and will be retained by Crescent Banking Company and furnished to the Securities and
Exchange Commission or its staff upon request.