<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM GOLDEN ISLES
FINANCIAL HOLDINGS, INC. UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS FOR THE
PERIOD ENDED JUNE 30, 2000, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                       2,812,851
<INT-BEARING-DEPOSITS>                          83,129
<FED-FUNDS-SOLD>                             3,893,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 19,607,403
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    112,875,301
<ALLOWANCE>                                  2,729,922
<TOTAL-ASSETS>                             143,878,944
<DEPOSITS>                                 118,254,974
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            687,998
<LONG-TERM>                                 11,582,993
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     1,094,338
<OTHER-SE>                                  12,258,641
<TOTAL-LIABILITIES-AND-EQUITY>             143,878,944
<INTEREST-LOAN>                              5,019,954
<INTEREST-INVEST>                              624,024
<INTEREST-OTHER>                               144,353
<INTEREST-TOTAL>                             5,788,331
<INTEREST-DEPOSIT>                           2,784,132
<INTEREST-EXPENSE>                           3,031,348
<INTEREST-INCOME-NET>                        2,756,983
<LOAN-LOSSES>                                  150,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              2,013,943
<INCOME-PRETAX>                                961,024
<INCOME-PRE-EXTRAORDINARY>                     961,024
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   632,142
<EPS-BASIC>                                       0.25
<EPS-DILUTED>                                     0.25
<YIELD-ACTUAL>                                    4.23
<LOANS-NON>                                  3,796,000
<LOANS-PAST>                                   267,000
<LOANS-TROUBLED>                             1,596,000
<LOANS-PROBLEM>                              7,247,000
<ALLOWANCE-OPEN>                             2,559,153
<CHARGE-OFFS>                                   95,561
<RECOVERIES>                                   115,336
<ALLOWANCE-CLOSE>                            2,729,922
<ALLOWANCE-DOMESTIC>                         2,729,922
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         36,616


</TABLE>